California DSCR Loans

DSCR Loans in California

Throughout California, real estate investors leverage DSCR loans to build diverse rental portfolios spanning urban centers, suburban communities, and developing markets. As experienced DSCR lenders, Watermen Capital delivers specialized income property financing across California for both residential investments (1-4 units) and small multifamily properties (5-10 units). Our California wide DSCR financing evaluates each property's capacity to generate sufficient rental income to service debt obligations, allowing investors to qualify based on asset performance rather than personal income. This approach enables strategic portfolio expansion across various California markets, creating opportunities for investors to diversify holdings while maximizing leverage through DSCR loans tailored to regional rental economics.

Our California Rates

• Single Family Homes, Condominiums and Multifamily Apartments
• Loan Amount - $75,000 to $2,500,000+ per property
• Interest Rates - Starting at 5.625%
• Interest Only or Fully Amortizing Loans
• Loan Term - 30 Years (3, 5, 7, 10 Years Available)
• Loan Advance - Up to 80% of Purchase Price and 80% of As Is Value for Acquisitions, and up to 80% for Refinance

Our DSCR loans throughout California feature streamlined qualification processes focused on property level metrics, with customizable terms aligned to specific regional market dynamics and investment objectives. With straightforward documentation requirements for DSCR financing, investors across California secure acquisition or refinance funding without unnecessary complexity or delay. Watermen Capital supports income property specialists in all California markets with DSCR loans that accommodate various investment strategies based on local market opportunities and economic trends. Let our team with extensive knowledge of California's diverse rental markets help structure DSCR loan solutions that address your specific investment goals, whether targeting single family homes, small multifamily properties, or mixed portfolios across multiple regions.