A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

NMLS #1502253 | Licensed in California (DBO)

California Investment Property Loans

DSCR rental loans, construction financing, and fix & flip capital for California real estate investors. Licensed in CA — NMLS #1502253.

Get Pre-Approved (602) 628-1231

NMLS #1502253

2-Min Pre-Qual

No Credit Impact

$780K

Median Home Price

Statewide

Very High

Rental Demand

Major Metro Areas

High

Cash-Out Demand

Equity-Rich Market

24 Days

Avg. Close Time

Our CA Average

Loan Programs

California Investment Loan Programs

Every program available in California, tailored for real estate investors.

DSCR Rental Loans

Qualify on rental income — no W-2s or tax returns. Ideal for LA, San Diego, and Sacramento investors.

Construction Loans

Ground-up construction financing for California builders in high-demand markets.

Fix & Flip Loans

Fast purchase + rehab financing for California flippers in LA, San Diego, and Sacramento.

Local Markets

California Markets We Serve

We lend in every major California market. Click your city for local rates and programs.

Los Angeles

Los Angeles County · $850,000 median

DSCR Rental LoansFix & Flip

San Diego

San Diego County · $820,000 median

DSCR Rental LoansFix & Flip

Sacramento

Sacramento County · $450,000 median

DSCR Rental LoansFix & Flip

Fresno

Fresno County · $320,000 median

DSCR Rental LoansFix & Flip

Riverside

Riverside County · $480,000 median

DSCR Rental LoansFix & Flip

Free Tools

Run Your California Numbers

Free calculators and tools built for California real estate investors.

DSCR Calculator

Check if your rental qualifies

ARV Estimator

Estimate after-repair value

Construction Estimator

Budget your build costs

Rental Yield Analyzer

Calculate your ROI

View All Tools

FAQ

California Investment Loan Questions

Q.What LTV is available for California DSCR loans?

Most California DSCR programs offer up to 75% LTV for purchase and 70% for cash-out refinance. Higher LTVs may be available with strong DSCR ratios (1.25+) and credit scores (720+).

Q.Do you lend in Los Angeles, San Diego, and San Francisco?

Yes. We lend throughout California including Los Angeles, San Diego, Sacramento, Fresno, Riverside, and the Bay Area. High-cost area loan limits apply in some markets.

Q.How does California's Prop 19 affect investment property loans?

Prop 19 primarily affects property tax reassessment for inherited properties. For investment property loans, it has minimal direct impact. We recommend consulting a California CPA for tax-specific questions.

Q.Can I use a DSCR loan for a California ADU (accessory dwelling unit)?

Yes. ADU rental income can be included in DSCR calculations if the unit is permitted and has a separate rental agreement. This is increasingly common in California markets.

Q.What is the maximum loan amount for California investment properties?

Our California DSCR programs go up to $3,000,000 standard, with jumbo programs available up to $5,000,000+ for qualified investors in high-cost markets like LA and San Francisco.

Licensed in California · NMLS #1502253

Ready to Fund Your California Deal?

Get pre-qualified in 2 minutes. No credit pull, no commitment. Our California-licensed loan officers are ready.

Get Pre-Approved (602) 628-1231