Attention Investors: Qualify without a Job, Pay Stubs, or Income Taxes!

We Accept DSCR loans with a ZERO Ratio!

The easiest way to qualify for investment homes in City or Industry & California...

Buying Investment Property has never been so easy!

The DSCR or “Debt Service Coverage Ratio” it is a popular benchmark used in the measurment of an investment’s ability to produce enough cash to cover it’s debt payments.

Lenders utilize this formula to analyze the performance of the asset instead of evaluating the borrower’s ability to repay the debt by looking at the borrower’s income derive from a job, financial information such as tax return, pay stubs, etc.

By utilizing this loan program, investors can finance 1-4 family units and condominiums up to 80% LTV.

The loan amounts could be as high as $5,000,000 and there is no limit on the number of investment properties a borrower could have.

We are one of the few approved lenders in California that offers this program. See if this program is the right fit for you by using our DSCR Loan Qualifier.

We’ll help you clearly see differences between the 1:1 DSCR ratio or the NO RATIO DSCR loans we offer.

The DSCR Qualifying Process:

Here’s how our home loan process works:

  • Complete our simple DSCR Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

Borrower’s with a FICO down to 640 might qualify. Part of the down payment could come in the form of a Gift. New investors and seasoned investors might qualify. Please contact us for details.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • CalHFA 0% Down Loans