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Get a DSCR Loan in California

Apply in less than 10 minutes
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Why go with us?

Use the rental income, not your personal income — lock in that West Coast deal, then onto the next one.

Tailored DSCR application for Californians

Tailored DSCR application for Californians

We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.

Use DSCR to get cash out

If there’s a lease, there’s likely equity — in a market like California, that could be your next downpayment or a value-add reno.

Get clarity faster

Clear terms, fast turnaround — ideal when you're dealing with tight California timelines.

Fast, stress-free closing

From Malibu to Modesto, your Loan Guide and Tracker keep you on track — no guesswork, no chasing.

Watch the shortest path to DSCR

From beach towns to the Central Valley, savvy investors are ditching the paperwork — see how fast it really is. Watch it unfold in this quick video.

Reviews

Lender love letters

Extremely helpful

Rob and Aiden were wonderful to work with. They were extremely helpful in every step of the process. They worked hard to get my loan closed in a fast and efficient manner. Thank you to both for making my experience great. I highly recommend!!

RyanTroy, OH

Great people

Great people. Makalee closed three loans smoothly and quickly. Thank you Makalee

ChristianSheppton, PA

In good hands

Highly recommend! Had an excellent experience - smooth, strait forward, and felt totally taken care of and in good hands by the whole team, especially Drew. So thankful we found Beeline, they really made the process the best it could be! (pun not intended)

JustinNorth Attleboro, MA
Pump your Cali portfolio

There’s no limit to the number of properties you can own — your income won’t restrict you

  • Minimum 20% down payment
  • Credit score of 600 and up
  • Long and short term ok
  • 12 months’ rental or mortgage history
  • You can only grow your portfolio so much using personal income. So why not spread your wings and get into the world of DSCR?
  • Conventional loans rely on your personal income to support loan payments — so after a couple of properties, you max out your ability to borrow.
  • DSCR stands for Debt Service Coverage Ratio. The R is the ratio of the property’s gross rental income/debt. Debt includes principal + interest + tax + HOI. The higher the ratio the lower the interest rate.
  • While DSCR loans have advantages, rates are slightly higher so if you’re not maxed with other properties, a conventional loan may be better. We’ll help you decide.
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Not sure?

Chat to a Loan Guide about the shortest path to your DSCR loan in California

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