DSCR Loans – Loans on Rental Properties

Private Money Solutions for Real Estate Investors

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What is a DSCR loan? A DSCR loan (Debt-Service Coverage Ratio loan) is a type of real estate investment loan where the approval is based on the property’s cash flow, not the borrower’s personal income.

Instead of looking at W-2s, tax returns, or DTI ratios, a lender would evaluate the rental income generated by the property to determine if it can cover the loan payments.

At Pacific Direct Mortgage, we understand that not all investment deals fit into a neat box. If your DSCR doesn’t meet strict guidelines, or the property has quirks that make lenders nervous, we’re here to help.

We offer private loans that make sense for real estate investors. We do not have strict DSCR requirements. If the equity is strong and the deal makes sense, we can work with you to help fund your financing needs.

We Do DSCR Private Loans:

We are local lenders who help you close fast and without delays from other’s underwriting formulas.

Looking at the income from the investment property itself.
Common-sense underwriting based on equity and asset value.
Business-purpose loans for 1–4 units, multifamily, and mixed-use.
Fast approvals and direct funding – we do not broker-out loans.
LLC, Trust, and Corporate ownership accepted.

Ideal for DSCR Borrowers Who:

  • Were declined elsewhere on their DSCR loan.
  • Are buying or refinancing rental properties.
  • Want to purchase in an LLC or non-personal entity.
  • Need speed and flexibility to act on an opportunity.
  • Don’t have other income to show.

Our Simple Requirements:

  • Decent down payment (generally a minimum of 25%-35%) or good equity in the property.
  • Property is currently rented and generating income.
  • Clear investment strategy or exit plan.

We work with investors across California who need speed, equity-based flexibility, and real-world lending logic.

A Local Direct Lender Who Understands Real Estate

With over 3 decades of combined experience in private lending, as a family owned hard money company, we know how to get investment deals done. We communicate, we’re transparent, move quickly, and make decisions based on the asset.

Call us today at 707-708-0797 or reach out below for a free quote. Let’s get your rental or investment property funded!

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Your information will never be given out or sold. Only someone from our family company will review your email and be in touch soon. We hope to be able to help!

  • We do not provide personal loans, only loans backed by real estate equity.
  • We are licensed for California lending, so do not lend outside of California.
  • Our lenders typically consider loans ranging from $1,000,000 to $2,500,000.
  • Fast, equity-based approvals with flexible solutions tailored to your scenarios.

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