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DSCR Rental Loans · California

DSCR rental loans in California — qualify on the rent.

Mortava DSCR loans in California: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

California is high-value properties where interest-only DSCR and bridge financing help investors manage payment-to-rent ratios. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Los Angeles, San Diego, Sacramento and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live California term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance California rentals with Mortava

DSCR loans let California investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Los Angeles, San Diego, Sacramento, Riverside.

California deals are won on structure: at Los Angeles and San Diego price points, interest-only options and 40-year terms are often what makes the payment-to-rent math work. Investors here typically trade current yield for long-run equity.

Top metros we lend in
Los Angeles, San Diego, Sacramento, Riverside
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)
Guidelines reviewed July 2026 by the Mortava lending team.

California DSCR loan FAQ

Can I get a DSCR loan in California?
Yes. Mortava lends on investment properties across California, including Los Angeles, San Diego, Sacramento, Riverside. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in California without W-2s or DTI.
What credit score do I need for a California DSCR loan?
Most California DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a California DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in California.
Do you lend on rentals in Los Angeles and San Diego?
Yes — Mortava lends across Los Angeles, San Diego, Sacramento, Riverside and every other California market. DSCR loans are sized on each property's rent, so a Los Angeles duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a California rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Los Angeles — not your personal income or where you live — so out-of-state investors close California DSCR loans routinely.
DSCR rental loans by state
DSCR in WisconsinDSCR in WyomingDSCR in AlabamaDSCR in AlaskaDSCR in ArizonaDSCR in ArkansasDSCR in ColoradoDSCR in ConnecticutDSCR in DelawareDSCR in FloridaDSCR in GeorgiaDSCR in Hawaii
All DSCR programs → Fix & Flip loans in California → Instant quote & pre-qualify →
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