DSCR Loans in California
Win-Win Capital Funding arranges DSCR loans across California through more than 2,000 capital partners. Our DSCR engine compares multiple lenders at once, so California investors see the best available rate for their credit, leverage and cash flow, whether they're buying their first rental or refinancing a portfolio.
California dscr loans programs
| Program | Max leverage | Term / notes |
|---|---|---|
| Purchase | Up to 80% LTV | 30-year fixed; interest-only options |
| Rate/term refinance | Up to 80% LTV | 30-year fixed |
| Cash-out refinance | Up to 75% LTV | 30-year fixed |
| Short-term rental (Airbnb) | Up to 75–80% LTV | Projected or actual STR income |
| No-ratio / DSCR under 1.0 | Lower leverage | Priced on credit and LTV |
What we finance in California
- Single-family rentals, 2–4 unit properties, condos and townhomes
- Short-term and vacation rentals
- Purchases, rate/term refinances and cash-out refinances
- BRRRR refinances after a rehab
- LLC and corporate vesting
- Portfolio and blanket loans for multiple rentals
Areas we serve in California
- Los Angeles
- Sacramento
- San Diego
- San Francisco
- San Jose
We also lend in suburban, rural and resort markets throughout California.
More California financing
Fix & flip loans in California · Hard money in California · RV park financing in California · Business second mortgage in California · Bridge Loans in California · Ground-Up Construction Loans in California · SBA 7(a) Loans in California
Investors in nearby states can see DSCR Loans in Oregon, DSCR Loans in Nevada, DSCR Loans in Arizona.
Terms are representative and subject to underwriting, appraisal and state availability. DSCR loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.