DSCR Loans · Los Angeles Real Estate Investors

Your rent qualifies you. Not your tax return.

Buy or refinance your next Los Angeles rental, from a single-family home to an 8-unit building. Qualify on the property’s cash flow, with no personal income documentation in most cases.

DSCR Program Highlights

80%

Max CLTV

$2M

Max Loan

660

Min FICO

or email justin@druianmortgageloans.com

No Tax Returns

Rent-based qualification

1 to 8 Units

SFR up to 8-plex

Close in Your LLC

Keep it organized

Fast & Friendly

Investors serving investors

Rent over payment

If the rent covers the payment, the deal can work.

What Is a DSCR Loan?

A rental loan that looks at the property, not your paycheck.

A DSCR (Debt Service Coverage Ratio) loan is a Non-QM mortgage built for real estate investors. Instead of using your personal income, qualification is based on the property’s cash flow: its verified rent compared to the proposed housing payment (PITIA).

Perfect if you don’t fit conventional guidelines, work in a variable-income industry, or simply want a reduced-documentation path.

Duplex monthly rent

$6,000

Monthly mortgage payment

$5,000

Program Highlights

Built for Serious Investors

Clear guidelines, flexible options and room to grow your portfolio.

80%

Max CLTV

$2M

Max Loan

660

Min FICO

Why Investors Use DSCR Loans

More Freedom. Less Paperwork.

Whether you’re buying, refinancing or pulling cash out, DSCR keeps the process simple.

No Income Paperwork

No personal income documentation required in most cases. Underwriting focuses on property cash flow.

Scale Your Portfolio

Suited for building a portfolio. Buy your next property without income limits holding you back.

Flexible vs. Conventional

Great if you don't fit agency rules or have complex or seasonal income.

Purchase

Buy your next Los Angeles rental with speed and confidence.

Refinance

Refinance your rental based on its rent, not your personal income.

Cash-Out Refinance

Turn equity into your next down payment or renovation budget.

Exclusive Option

No-Ratio DSCR

A Non-QM loan that does not verify personal income and does not use a DTI (Debt-to-Income) calculation.

Free Tool

Does Your Rental Qualify?

DSCR is the property’s verified monthly rent divided by its total monthly housing cost (PITIA: principal, interest, taxes, insurance and any HOA dues). If a cost doesn’t apply, enter it as zero.

Monthly rent ($)

Total monthly PITIA ($)

1.20Rent covers the payment. A strong start!

Get My Exact Numbers

For illustration only. Final qualification depends on the full loan review.

Who We Help

From Single-Family to 8 Units

If you own or want to buy rentals in the Los Angeles area, we speak your language.

Single-Family Rentals

Your first or fifteenth SFR.

Duplexes

Two doors, double the rent.

3–4 Units

Triplexes and fourplexes.

5–8 Units

Small apartment buildings.

How It Works

Simple. Fast. Friendly.

We talk like fellow investors, not like a bank.

1. Tell Us the Deal

Share your property and expected rent.

2. Review Your Options

We compare rent to PITIA and show your best path.

3. Light Documentation

Rent evidence plus standard asset and credit items.

4. Close & Keep Growing

Close in your LLC and move to your next rental.

Special Scenarios

Please Call for Price

These scenarios may be available with custom pricing. Call us and we’ll find a path.

Service Area

DSCR Loans Across Los Angeles & LA County

Looking for a DSCR lender for your LA rental? We help investors buy and refinance rental properties throughout the Los Angeles area, including:

FAQ

DSCR Loan Questions, Answered

What is a DSCR loan?

A Non-QM mortgage built for real estate investors. Qualification is based on the subject property’s cash flow, typically verified rent compared to the proposed housing payment (PITIA), instead of your personal income.

How is DSCR calculated?

Divide the property’s verified monthly rent by its total monthly housing cost: principal, interest, property taxes, insurance and any HOA dues. If a cost doesn’t apply, treat it as zero. Lower ratios indicate higher risk.

Do I need to document my personal income?

In most cases, no. Underwriting focuses on property cash flow. You’ll provide rent evidence (such as a lease or market rent report) plus standard asset and credit items.

What if the rent doesn't cover the payment?

Our No-Ratio DSCR option has no minimum DSCR requirement (it can be as low as 0), so loans may qualify even when current rent doesn’t cover PITIA.

Can Foreign Nationals or ITIN borrowers apply?

Yes. Foreign Nationals, including borrowers on F-1 visas, are allowed, and ITIN borrowers are eligible with a minimum DSCR of 1.0. Call us to review eligibility.

Can I close in my LLC?

Yes. Closing under an LLC is allowed.

What are the maximum loan amount and LTV?

Max CLTV is 80%, max loan amount is $2 million, and minimum FICO is 660. Loans above $2 million, FICO 620–659 and other special scenarios are available by calling for pricing.

Is this for my primary home?

No. DSCR loans are for investment rental properties only, not homes you live in.

What's Your Property Worth?

Find out the value of your home in minutes.

Ready When You Are

Buy Your Next LA Rental. No W-2s Needed.

Your rent qualifies you, not your paycheck. Let’s review your deal and get you moving.

Druian Mortgage Loans · (805) 870-8878 · justin@druianmortgageloans.com

Information shown is for general reference and may vary by borrower qualifications and program terms. This is not a commitment to lend. DSCR loans are for non-owner-occupied investment properties only. Contact us for full loan details and eligibility requirements, including credit, asset, LTV, reserve and property requirements. Equal Housing Opportunity. [Add NMLS # / license info here]

Your rent qualifies you. Not your tax return.

DSCR Program Highlights

80%

$2M