Federal First Lending California
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DSCR investor loans

Qualify on the property's income, not your tax returns

DSCR loans size the deal on one question: does the rent cover the payment? No W-2s, no personal income docs. Built for California landlords, flippers holding long, and buyers scaling a portfolio.

Does the rent cover it?

Monthly rent ÷ monthly payment = your DSCR.

Mid-century California fourplex at golden hour
$
$

Estimate only — program guidelines vary by lender.

0.501.252.00+

1.24

1.0 – 1.24

Many DSCR programs look for a ratio of 1.0 or higher; each lender sets its own guidelines. A licensed loan officer confirms which programs fit your deal.

Built for how investors actually file

✓Self-employed or write-off-heavy returns✓Close in an LLC — vesting flexibility✓Portfolio landlords adding doors✓Long-term and short-term rental income considered

Common questions

Answers are general information, not loan terms.

What is a DSCR loan?

A loan that qualifies on the property's rental income instead of your personal income. If the rent covers the payment, the deal can stand on its own — built for California landlords, LLC buyers, and portfolio builders.

Do I need tax returns or W-2s for a DSCR loan?

No. DSCR programs underwrite the property's rent, not your personal income — no W-2s and no personal tax returns. That's why they fit self-employed and write-off-heavy investors.

Can I close a DSCR loan in an LLC?

Yes. Vesting flexibility — including closing in an LLC — is one of the main reasons California investors choose DSCR financing.

Have a deal in mind? Run it with a human.

Call (949) 994-8231Leave your details

(949) 994-8231 · Mon–Sat, 8am–6pm PT