Independent broker. We shop 50+ wholesale lenders to find your best California DSCR rate — purchase, refinance, or cash-out. No W2s, no tax returns, no income verification. Qualify on the property's rental income.
Investment property only · No impact to credit score
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Most lenders only show you their own product. We're a broker — meaning we shop your scenario across 50+ wholesale DSCR programs to find the one that actually fits your deal.
Purchase, refinance, cash-out, long-term and short-term rentals — all qualified on the property's income, not your W2s or tax returns. One broker, every program. Most files close in 14-21 days.
Avg CA loan size is $744K. Many are jumbo. Most independent DSCR brokers cap at $1-2M — we have wholesale programs that go to $5M+.
Hard 180-day deadlines. We coordinate underwriting, appraisal, and lender selection around your exchange timeline. Don't blow a 1031 because your lender stalled.
Non-US citizens investing in California real estate — Asian, European, Latin American capital. Programs up to 70% LTV without US tax returns or social security.
Our funded data shows 14-day closes are real, not theater. No last-minute condition adds, no rate locks expiring on you, no "we changed our mind" calls.
We shop your file across 50+ wholesale DSCR lenders. Direct lenders show you their rate sheet. We show you the best rate sheet for your scenario.
From Houston's investor-heavy submarkets to Austin's STR scene, we close DSCR loans on single-family rentals, 2–4 unit properties, and condos statewide.
| 2026 California DSCR Program Overview | |
|---|---|
| Loan amount | $250,000 – $5,000,000 (jumbo programs available) |
| Maximum LTV | Up to 85% (purchase), 80% (cash-out refi) |
| Interest rate | From 5.99% (rate depends on credit, LTV, DSCR ratio) |
| Minimum DSCR | 1.0 standard · No-ratio + DSCR-as-low-as-0.75 available |
| Minimum credit score | 660 FICO standard · 620 case-by-case |
| Income documentation | None required — qualify on rental income only |
| Eligible property types | SFR, 2-4 unit multifamily, condos, condotels, PUDs. Luxury properties welcome (no max purchase price). |
| Eligible borrowers | US citizens, permanent residents, foreign nationals (HNW programs) |
| Term | 30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available |
| Pre-payment penalty | 3-5 year step-down typical (waivable for fee) |
| Time to close | 14–21 days for most files |
Rates and terms subject to change without notice. Final terms determined at underwriting. Brokered by United Trust Mortgage, NMLS #2591548. Loan products offered through participating wholesale lenders. Restrictions apply. Investment property loans for business purposes only. Equal Housing Opportunity.
12-month interest-only bridge financing for CA real estate. Bridge-to-sale, bridge-to-purchase, jumbo. 14-21 day close. Up to 60% LTV.