California DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In California (CA), lenders underwrite to a Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days-day average timeline), a 0.75% average property tax rate (~$466/mo at the $745,000 state median), and $510/$100K hazard insurance (~$317/mo).
Debt Service Coverage Ratio (DSCR) loans qualify real estate investors strictly on the subject property’s rental cash flow (DSCR = Monthly Rent ÷ Monthly PITIA for 1–4 units, or Annual NOI ÷ Debt Service for 5+ units) rather than personal W-2s or federal tax returns. Loan Daddy LLC (NMLS #2827624) underwrites 1–4, 5–8, 5–9, 5–10, 5–25, and 5+ unit properties up to 80% LTV nationwide.
Median 1–4 unit price of $745,000 (75% LTV = $558,750) with Form 1007 rent of $4,950/mo and multifamily rent of $2,650/door.
California operates under a Non-Judicial (Deed of Trust — Civil Code §2924) regime (120–135 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your California LLC or Delaware LLC registered in CA with zero personal tax returns, W-2s, or 4506-C transcripts.