California investor financing

DSCR Investment Property Loans

For real estate investors, financing may focus on the property's income potential—not solely on the borrower's personal income.

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CDL Mortgage Services, Inc.NMLS #1838430California DRE #01858112949-562-4480

Debt service coverage ratio

Understand the property's cash-flow picture.

A DSCR loan evaluates qualifying rental income in relation to the property's debt obligations. The exact calculation and qualifying thresholds vary by lender and program.

What DSCR means

Debt Service Coverage Ratio compares qualifying property income with the debt service used in the lender's calculation.

What 1.00 DSCR means

A 1.00 ratio generally indicates qualifying income equals the debt service amount being measured—100% coverage, before considering other ownership costs not included in that calculation.

Scenarios worth discussing

Rental purchase

Evaluate financing for an eligible property intended to generate rental income.

Refinance

Explore whether a DSCR refinance may fit an existing investment property.

Portfolio growth

Compare program requirements as you evaluate additional investment opportunities.

Program details matter. Lenders may differ on rent calculations, lease documentation, appraisal treatment, occupancy, property type, credit, reserves, loan-to-value and minimum DSCR. Not every property or borrower will qualify.

Run the numbers

Let's evaluate the property.

Share the property type, estimated rent, purchase price or current value, and your financing goal. We can start by understanding the numbers.

Contact Chris

Chris Weir

(949) 562-4480

chris@chrisweir.com

CDL Mortgage Services, Inc.
NMLS #1838430 · California DRE #01858112

A simple first step

Let's talk about your mortgage goals.

Share a few details and your questions. No obligation, no credit check, and no sensitive financial information requested.

Find Out More Call 949-562-4480