DSCR loans are designed for real estate investors who want to grow their portfolio without the income
documentation hurdles of traditional financing. The property qualifies itself.
Debt Service Coverage Ratio (DSCR) loans are built for real estate investors — particularly those with
multiple properties, self-employment income, or complex tax returns that don’t reflect their true financial
position. Instead of using personal income to qualify, lenders look at whether the property’s rental
income covers its debt obligations. West Capital Lending works with investors across California and 35
other states.
- DSCR ratio of 1.0 or higher typically required (some lenders offer below-1.0 programs); ratio = gross rental income / PITIA
- Property must be non-owner-occupied (investment use only)
- Eligible property types typically include 1–4 unit residential, condominiums, and short-term rentals (Airbnb/VRBO)
- Credit score minimums vary by lender — generally 640+ for standard programs
- Down payment typically 20–25% of the purchase price or appraised value
- Entity (LLC) ownership allowed with many lenders
Fill out the form below and a West Capital Lending advisor will reach out within one business day to
discuss your options — no commitment required.