Rates from 6.375%
No income verification — qualify on rental cash flow
Close in as little as 7 days
Southern California DSCR Lender
DSCR LOANS
FOR RENTAL
PROPERTY
NO INCOME
DOCS.
JUST CASH FLOW.
Rental income approvals, not tax returns.
$1B+
Loans Closed
7
Day Close
80%
Max LTV
1–8
Units
- ✓ No W-2s, no tax returns, no personal income verification
- ✓ Qualify using rental income only — DSCR as low as 0.75x
- ✓ SFR, 2–4 unit, 5–8 unit, condo, short-term rental
- ✓ Purchase, refinance, cash-out — all available
- ✓ Foreign national and ITIN borrowers welcome
- ✓ No limit on number of financed properties
- ✓ Soft credit pull pre-approval — no hard inquiry to get your rate
✓ $1B+ in Investment Loans Closed
✓ Southern California Based
✓ Advisor Responds Immediately
✓ No Income Verification Required
✓ NMLS Licensed
$0 broker fee options available. Surest Capital works exclusively for you.
Simple Process
CLOSE IN 3 STEPS
From first call to funded loan — faster than any bank or traditional lender.
1
SUBMIT YOUR DEAL
Fill out the form above or call us. Takes 2 minutes. Tell us about the property — no income docs required at this stage.
2
GET YOUR RATE
A Surest Capital advisor responds immediately with a preliminary quote based on the property's cash flow — not your personal income.
3
FUND YOUR DEAL
Streamlined underwriting. No income verification delays. Close in as little as 7 days and scale to your next investment.
Program Details
DSCR LOAN PARAMETERS
Transparent pricing. Real numbers — not ranges designed to get you in the door.
Rates From
6.375%
30yr fixed / ARM available
Max LTV
80%
Up to $2,000,000
Min DSCR
0.75x
As low as 0x (680+ FICO)
Min FICO
620
Higher scores = better rates
Loan Size
$50K–$3.5M
Multiple programs available
Properties
1–8 Units
SFR, Condo, STR, Multifamily
Loan Purpose
All
Purchase, refi, cash-out
Income Docs
None
No W-2s, no tax returns
Borrowers
All
US, Foreign National, ITIN
Track Record
RECENTLY CLOSED DEALS
Real Southern California deals. Real investors. Real results.
$2.25M
DSCR Refinance — Los Angeles County
Apartment building cash-out refi. 75% LTV, 30yr fixed. Self-employed borrower — no tax returns required.
$700K
Fix to Rent + Perm — Riverside County
SFR rehab bridge then DSCR permanent refi. No income docs. Closed in 28 days. Portfolio investor.
$1.6M
DSCR Purchase — Orange County
4-plex acquisition at 80% LTV. Self-employed borrower — qualified on rental income only, no tax returns.
Qualification
WHO THIS IS FOR
DSCR loans are built for investors who want fast, flexible financing without the paperwork of traditional lenders.
-
💼
Self-Employed Investors
Tax returns show too many deductions
We don't look at them — qualify on rental income only
-
🏢
Portfolio Builders
Multiple properties, scaling fast
No limit on number of financed properties
-
🌍
Foreign National Investors
Investing in US real estate
DSCR and full doc programs, up to 75% LTV
-
🏡
Short-Term Rental Owners
Airbnb, VRBO, mid-term rentals
STR programs available — min 1.15x DSCR
READY TO MOVE?
A Surest Capital advisor responds immediately during business hours. After hours, submit the form and we call you first thing.
(213) 867-4223
GET MY RATE ONLINE