DSCR Financing in CA

DSCR Loans in California

A market where conventional DTI math locks investors out entirely. DSCR is often the only path into California's price tier.

Local Market Context

Investor Markets in California

Los Angeles

High-price appreciation market with ADU and small multifamily plays. DSCR is often the only way in.

San Diego

Military tenant base, coastal STR demand, and tight rental supply.

Sacramento

The state's top cash-flow metro, more affordable than coastal CA with strong rent growth.

Inland Empire

Riverside and San Bernardino SFR rentals with logistics-driven tenant demand.

Fresno

Central Valley cash flow at CA's lowest entry prices with Section 8 inventory.

Common Properties

What Investors Finance in California

✓LA and San Diego SFR + ADU plays
✓Sacramento and Inland Empire cash-flow SFRs
✓Joshua Tree and Palm Springs STRs
✓Small multifamily in Long Beach, Oakland, and Sacramento
✓Central Valley Section 8 rentals (Fresno, Bakersfield)
✓BRRRR projects in Sacramento and the Inland Empire

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in California

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in California is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

California DSCR FAQ

Does Get Brick Capital offer DSCR loans in California?

Yes. California is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in California?

Yes. Program 7 can be available in California for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your California DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

Get a Quote →