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by | May 4, 2025 | california

Invest Smarter in the Golden State: Your Definitive Guide to a California DSCR Loan with GHC Funding

California DSCR Loan: California’s dynamic real estate market beckons investors with promises of appreciation, steady rental income, and portfolio growth. From the iconic coastline to the thriving inland communities, the opportunities to invest in income-generating properties are vast. However, navigating the financing landscape for investment properties in California can present unique challenges, especially when traditional lenders require extensive personal income documentation. California DSCR Loan.

This is where the Debt Service Coverage Ratio (DSCR) loan steps onto the stage, offering a powerful, flexible, and increasingly popular financing solution for real estate investors throughout the Golden State. Whether you’re a seasoned pro with multiple properties or looking to make your first strategic investment, understanding California DSCR loans is crucial for unlocking your full potential.

California DSCR Loan

In this in-depth guide, we’ll break down everything you need to know about DSCR loans in California – how they work, typical rates and requirements, the benefits they offer, and how to navigate the process. We’ll also introduce you to GHC Funding, a lender experienced in the CRE and business loan space, well-positioned to assist California real estate investors in securing the financing they need to thrive. California DSCR Loan

In this article…

Beyond the Paystub: How California DSCR Loan Reshape Investment Financing

Forget the stacks of W-2s, tax returns, and personal income statements required for traditional mortgages. The fundamental difference of a DSCR loan lies in its focus: the income-generating potential of the property itself, not your personal earned income. This is a game-changer for many investors, particularly those who are self-employed, have complex income streams, or have already built a portfolio that impacts their personal debt-to-income ratio with conventional lenders. California DSCR Loan

At the heart of the DSCR loan is the Debt Service Coverage Ratio (DSCR). This metric is a calculation used by lenders to determine if a property’s expected income is sufficient to cover its mortgage debt obligations. It’s a straightforward concept: how much money does the property bring in compared to how much it costs to service the debt on that property?

The formula is typically expressed as:

  • Gross Rental Income: This is the total anticipated income from rent. Lenders will often use a market rent appraisal, performed by a qualified appraiser, to determine a conservative estimate of the property’s rental value. For properties with existing tenants, the current lease agreements will also be considered.
  • Annual Operating Expenses: These are the costs associated with running the property, excluding the mortgage payment. Common operating expenses factored into the DSCR calculation by lenders may include:
    • Property Management Fees (if applicable)
    • Vacancy Reserves (an allowance for periods when the property is vacant)
    • Repair and Maintenance Reserves
    • Property Taxes (factored into the Annual Mortgage Debt Service below, but understanding total operating costs is key)
    • Property Insurance (also factored into the Annual Mortgage Debt Service below)
    • Homeowners Association (HOA) dues (if applicable, factored into the Annual Mortgage Debt Service below)
    • Note: Some lenders may have slightly different approaches to what operating expenses are included in this initial income reduction step versus those included in the debt service. The core principle is assessing the property’s net income before the mortgage payment.
  • Annual Mortgage Debt Service (PITI): This is the total yearly cost of your principal and interest payments on the loan, plus the annual cost of property taxes, homeowner’s insurance, and any HOA dues. These are often impounded into a monthly payment, but the annual sum is used for the DSCR calculation.

What’s a “Good” DSCR?

A DSCR of 1.0 means the property’s income exactly equals its debt obligations. For lenders, this represents a break-even point. Generally, lenders prefer a DSCR greater than 1.0 – often 1.15, 1.20, or 1.25 and higher.

  • A DSCR of 1.25 means the property’s income is 1.25 times (or 25% more than) the annual debt service. This indicates a healthy cash flow buffer, which reduces risk for the lender and provides a cushion for the investor to cover unexpected expenses or periods of vacancy.
  • Some lenders do offer loans with a DSCR below 1.0 (e.g., 0.75), or even “No Ratio” DSCR loans. These programs are typically available for experienced investors, may require a larger down payment, and might come with slightly higher interest rates to offset the increased risk. They are designed for situations where a property might be temporarily vacant, undergoing renovations, or the investor has significant reserves or other properties with strong cash flow.

The required minimum DSCR will vary depending on the lender, the loan program, your creditworthiness, and the loan-to-value (LTV) ratio.

California DSCR Loan

The Benefits of Choosing a DSCR Loan for California Investments

For California real estate investors, DSCR loans offer a compelling alternative to traditional financing, providing several key advantages:

  1. No Personal Income Verification: This is the most significant benefit. DSCR loans eliminate the need for tax returns, W-2s, pay stubs, and extensive personal income documentation. This simplifies the application process and is ideal for self-employed individuals, business owners, or those with income that is difficult to document in a traditional format.
  2. Qualification Based on Property Performance: Your ability to qualify is primarily based on the investment property’s cash flow potential. This allows you to leverage the income of the asset itself to secure financing.
  3. Faster Closings: With less personal documentation to review, the underwriting process for DSCR loans can often be faster than conventional loans. In California’s competitive market, speed can be a critical advantage when making an offer. California DSCR Loan
  4. Portfolio Expansion: DSCR loans make it easier for investors to scale their portfolios. Since qualification is property-specific, acquiring multiple investment properties doesn’t necessarily strain your personal debt-to-income ratio in the same way that multiple conventional mortgages would. California DSCR Loan
  5. Flexibility for Various Property Types: DSCR loans are designed for a range of income-generating properties, including single-family rentals, multi-unit properties (duplexes, triplexes, quadplexes, and sometimes larger apartment buildings), condos, townhomes, and even short-term rentals (like Airbnb properties), provided the market rent or income can support the DSCR.
  6. Unlock Equity: DSCR cash-out refinance options allow investors to pull equity from existing income properties based on their DSCR, providing capital for new investments, renovations, or other business purposes without needing to verify personal income.

Key Requirements for a California DSCR Loan

While bypassing traditional income verification, DSCR lenders have other criteria to assess risk. Here are the typical requirements for a DSCR loan in California:

  • Minimum DSCR: As discussed, this is the primary qualification metric. Requirements vary, but generally aim for 1.15x or higher for the most favorable terms. Lower DSCR options are available but come with trade-offs.
  • Credit Score: Your credit history is still reviewed. Most lenders require a minimum FICO score, often starting from 620 to 660. Higher credit scores (700+) will typically unlock better interest rates and loan terms.
  • Down Payment / Loan-to-Value (LTV): The maximum LTV (and therefore minimum down payment) depends on the lender, your credit score, and the property’s DSCR. Expect minimum down payments of 20% to 25% for purchases. LTVs may be lower for cash-out refinances or properties with lower DSCRs. Higher credit scores and DSCRs can often allow for higher LTVs (lower down payments).
  • Reserves: Lenders will require you to have a certain amount of liquid reserves (cash in the bank or easily accessible funds) after closing. This provides a safety net to cover mortgage payments and expenses, especially if the property experiences vacancy. Reserve requirements vary, but commonly range from 6 to 12 months of the property’s debt service. Properties with lower DSCRs or borrowers with lower credit scores may require more reserves.
  • Property Appraisal & Market Rent Analysis: A professional appraisal is mandatory to determine the property’s value and its market rent, which is crucial for the DSCR calculation.
  • Entity Vesting: DSCR loans are typically considered “business purpose” loans. Many investors choose to vest the property title in a legal entity like an LLC, S-Corp, C-Corp, or a living trust for liability protection. Lenders are accustomed to working with these structures for DSCR loans.
  • Investor Experience: While not always a strict requirement, having prior experience as a real estate investor can strengthen your application and may lead to more favorable terms. Some programs cater specifically to experienced investors.
  • Property Condition: The property should generally be in rentable condition or require only minor repairs. Major fixer-uppers might require alternative financing like a bridge loan before qualifying for a DSCR loan.
California DSCR Loan

California DSCR Loan Rates: What to Expect

DSCR loan interest rates in California, while competitive within the investment property financing sector, are generally higher than rates for owner-occupied conventional mortgages. This difference reflects the unique nature of the loan’s underwriting and the inherent risks associated with relying on property income.

As of Spring 2025, you might see California DSCR loan rates starting in the mid-to-high 6% range and extending upwards. However, the actual rate you are offered will be highly dependent on several factors:

  • Your Credit Score: A strong credit profile (740+) is key to securing the most favorable rates. Lower scores will result in higher rates.
  • The Property’s DSCR: Properties with a higher DSCR (stronger cash flow) are less risky and typically qualify for lower rates.
  • Loan-to-Value (LTV): A lower LTV (larger down payment) reduces the lender’s exposure and usually leads to a better rate.
  • Loan Amount: Rates can sometimes vary based on the loan amount.
  • Property Type: Certain property types or those used for short-term rentals might have slightly different pricing.
  • Market Conditions: The prevailing economic climate and interest rate environment set the baseline for all loan products.
  • The Lender: Each lender has its own pricing model and risk assessment, leading to variations in offered rates.

Beyond the interest rate, be sure to factor in other costs such as:

  • Origination Fees: Typically range from 1% to 2% of the loan amount.
  • Appraisal Fees: To cover the cost of the property and rent appraisal.
  • Title Insurance and Escrow Fees: Standard closing costs in real estate transactions.
  • Recording Fees and State-Specific Taxes: Costs associated with officially recording the mortgage and transfer of title.

It is essential to work with a transparent lender who provides a clear breakdown of all costs associated with the DSCR loan.

California’s Diverse Markets: Finding Your Investment Niche with DSCR Financing

California’s real estate landscape offers a spectrum of investment opportunities, each with its own market dynamics, rental trends, and potential for DSCR financing. Leveraging DSCR loans allows you to target properties based on their income potential in specific regions:

  • Southern California (Los Angeles, San Diego, Orange County, Riverside, San Bernardino): This vast region offers everything from high-end coastal properties popular for short-term rentals to more affordable single-family homes and multi-unit properties in the Inland Empire. Major job centers in Los Angeles and San Diego drive consistent rental demand. Areas like Riverside and San Bernardino counties often present higher potential rental yields relative to property values compared to coastal areas, making them attractive for DSCR investors focused on cash flow.
    • External Resource: For Southern California market data, explore resources from local Realtor associations or property management companies focusing on the region.
  • The San Francisco Bay Area (San Francisco, San Jose, Oakland): Known for its robust tech industry and high cost of living, the Bay Area presents a unique market. While property values are among the highest in the nation, rental rates are also substantial. DSCR loans here might be ideal for investors targeting multi-unit buildings or those with significant capital for down payments, focusing on high-income tenant bases.
  • The Central Valley (Sacramento, Fresno, Bakersfield): Offering significantly lower property values than coastal regions, the Central Valley is increasingly popular with investors seeking more favorable cash flow opportunities. Growing populations and increasing rental demand in cities like Sacramento and Fresno make this region a compelling option for DSCR investors.
    • External Resource: Check resources from local economic development agencies or real estate groups in Central Valley cities for specific market insights.
  • Coastal and Northern California (Santa Barbara, Monterey, Eureka): These areas feature desirable locations with strong tourism, making short-term rentals a potential strategy. Long-term rentals also have consistent demand in population centers. DSCR loans can be tailored to evaluate the income potential of properties in these varied coastal markets.

Analyzing average rental rates and vacancy rates in your target California county or city is a critical step in determining a property’s potential DSCR. Websites like Zillow and Rentastic provide rental market data that can be a starting point for your research, but a professional market rent appraisal by a local expert is essential for DSCR loan qualification.

California DSCR Loan

Investing in California real estate requires a solid understanding of the state’s specific laws and regulations that impact landlords and rental properties. These regulations can affect your operating expenses and the overall feasibility of your investment, and thus indirectly influence the DSCR calculation and your investment strategy:

  • Statewide Rent Control and Just Cause Eviction (AB 1482): California’s Tenant Protection Act of 2019 (AB 1482) implemented statewide limitations on rent increases and requires “just cause” for evicting tenants in many properties older than 15 years. While some newer construction and single-family homes owned by individuals (not REITs or corporations) are exempt, it’s crucial to understand if your property is covered and the specific requirements regarding rent increases and evictions.
  • Local Rent Control Ordinances: Be aware that some California cities (like Los Angeles, San Francisco, and Oakland) have their own, often stricter, local rent control ordinances that predate or go beyond AB 1482. You must comply with both state and local laws.
    • External Resource: Research the specific housing or rent control board website for the city or county where you plan to invest.
  • Security Deposit Limits (AB 12): As of July 1, 2024, California law (AB 12) generally caps security deposits at one month’s rent for unfurnished or furnished residential properties. This is a change investors need to be aware of for tenant onboarding.
  • Property Maintenance and Safety (SB 721, AB 2579): California has specific laws requiring periodic inspections of balconies, decks, and other elevated elements in multifamily properties to ensure structural integrity. Factor these potential inspection and repair costs into your operating expenses.
  • Short-Term Rental Regulations: Regulations for short-term rentals (STRs) vary significantly by city and county across California. Many popular tourist destinations have strict rules on permits, occupancy limits, and even where STRs are allowed. If you plan to use a property for STRs, thoroughly research and comply with local ordinances.
    • External Resource: Check the official website for the city or county planning department where the property is located for specific STR rules.
  • Property Taxes and Other State Tax Considerations: California has unique aspects to its property tax system (Proposition 13) and state income tax laws that differ from federal regulations, such as the treatment of “Real Estate Professional Status” (REPS) and rules around 1031 exchanges (like the potential “clawback” of deferred gains if an out-of-state property is acquired).
    • External Resource: Consult with a qualified California real estate attorney or tax advisor for guidance on the state’s complex tax laws impacting investors. The California Franchise Tax Board (FTB) is the state’s tax agency.

Understanding and adhering to these regulations is not only legally necessary but also crucial for accurately projecting your property’s operating expenses and ensuring the long-term profitability of your investment.

California DSCR Loan

Choosing Your Lending Partner: Why GHC Funding is a Go-To for California Investors

Securing a DSCR loan in California requires partnering with a lender who not only understands this specialized financing product but also has a firm grasp of the California real estate market’s intricacies. You need a lender who can navigate the unique property types, market values, rental dynamics, and regulatory environment of the Golden State.

GHC Funding is a financing partner with significant experience in providing CRE loans and business loans, which directly aligns with the needs of real estate investors seeking to acquire or refinance income-generating properties in California. Their focus on financing real estate assets and business ventures means they are well-versed in evaluating the financial performance and potential of income-producing properties – the core principle behind DSCR lending.

Here’s why considering GHC Funding for your California DSCR loan could be a strategic advantage:

  • Expertise in Income-Generating Assets: GHC Funding’s background in CRE and business lending means they are adept at analyzing the cash flow and financial viability of properties, which is the foundation of DSCR loan underwriting. They understand how to assess a property’s potential income against its debt obligations.
  • Understanding of the California Market: Operating in the CRE and business loan space in California implies a strong understanding of the state’s diverse local real estate markets, property values, and economic drivers that influence rental demand and investment potential.
  • Tailored Financing Solutions: While specific DSCR program details should be discussed directly with GHC Funding, their experience suggests they can offer flexible financing solutions designed to meet the unique needs of real estate investors, whether you’re purchasing a new property, refinancing an existing one, or looking to pull cash out.
  • Streamlined Process: Lenders specializing in investor and commercial real estate financing often have streamlined processes for evaluating property-based loans, which can contribute to a more efficient closing timeline – a valuable asset in California’s competitive market.

GHC Funding is positioned to be a go-to resource for California real estate investors seeking DSCR financing. They understand that your success in the Golden State real estate market depends on smart financing strategies that leverage the performance of your assets.

California DSCR Loan

Getting Started with Your California DSCR Loan

If you’re a real estate investor in California and a DSCR loan sounds like the right fit for your financing needs, here are the general steps to consider:

  1. Assess Your Investment Goals: Clearly define your investment strategy. What type of properties are you targeting? What are your cash flow and appreciation goals?
  2. Research Potential Properties and Markets: Identify specific properties or areas in California that align with your strategy and show strong income potential based on market research and rental data.
  3. Evaluate the Property’s Potential DSCR: Based on estimated rental income and operating expenses, calculate a preliminary DSCR for the property. Use market rent data and factor in realistic expenses, including California-specific costs like property taxes and potential regulatory compliance expenses.
  4. Review Your Creditworthiness and Reserves: While personal income isn’t the focus, a solid credit score and sufficient liquid reserves are crucial for DSCR loan qualification and securing favorable terms.
  5. Connect with a Knowledgeable Lender: This is a critical step. Engage with a lender experienced in DSCR loans and the California market, such as GHC Funding.
  6. Discuss Loan Programs and Requirements: Talk to the lending team about your investment goals and the properties you’re considering. They can provide details on their specific DSCR loan programs, current rates, and exact requirements based on your situation and the property.
  7. Submit Your Application: Once you’ve chosen a lender and a program, complete the loan application, providing all requested documentation, including property details and potentially information on your real estate investing experience.
  8. Property Appraisal and Underwriting: The lender will order a professional appraisal and conduct their underwriting process, primarily evaluating the property’s DSCR, your creditworthiness, and reserves.
  9. Loan Approval and Closing: Upon approval, you’ll work towards closing the loan, which involves finalizing documentation, securing title insurance, and going through the escrow process common in California real estate transactions.
California DSCR Loan

Power Your California Investments with DSCR Financing

The California real estate market offers unparalleled opportunities for investors, but navigating its unique landscape requires smart financing. DSCR loans provide a flexible and efficient pathway to acquire or refinance income-generating properties in the Golden State, allowing investors to leverage the power of their assets without the constraints of traditional income verification.

By understanding the DSCR calculation, typical requirements and rates, the nuances of California’s diverse regional markets, and the state’s specific regulations, you can confidently pursue your investment goals.

For California real estate investors seeking a financing partner who understands the market and the value of income-producing assets, connecting with GHC Funding is a highly recommended step. Their experience in CRE and business lending positions them to offer relevant and effective financing solutions to support your investment journey in California.

Ready to take the next step towards expanding your real estate portfolio in California? Don’t let traditional financing hurdles hold you back. Explore the possibilities of a California DSCR loan and contact GHC Funding at www.ghcfunding.com today to discuss your investment needs and discover how they can help you achieve your financial objectives in the Golden State.

Invest smarter, grow your portfolio, and unlock California’s real estate potential with the right financing strategy.

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California DSCR Loan: The Smart Financing Strategy for Real Estate Investors

For real estate investors in California, securing financing can be one of the most significant hurdles to building and scaling a profitable rental portfolio. Traditional loans often require burdensome income documentation and impose strict debt-to-income ratios. But there’s a smarter, faster, and more flexible option tailored for investors: the California DSCR loan.

DSCR loans—short for Debt Service Coverage Ratio loans—are increasingly popular in California because they prioritize the property’s income potential rather than the borrower’s personal income. This guide will walk you through how DSCR loans work in California, current 2025 rates, borrower requirements, and why GHC Funding is the go-to lender for investors across the state.

What Is a California DSCR Loan?

A DSCR loan is a non-traditional mortgage that qualifies real estate investors based on the rental income of the property they’re purchasing or refinancing. DSCR stands for “Debt Service Coverage Ratio,” which is a measure of how well a property’s rental income covers its debt obligations.

Here’s the basic formula:

DSCR = Monthly Net Operating Income ÷ Monthly Debt Payment

If your rental property generates \$3,000 in net rent and the monthly mortgage payment is \$2,400, the DSCR is 1.25. Most lenders require a DSCR of at least 1.00, though higher ratios can qualify borrowers for better terms.

Unlike conventional loans, California DSCR loans:

  • Do not require tax returns or W-2s
  • Ignore personal debt-to-income (DTI) ratios
  • Allow properties held in LLCs or corporations
  • Close faster due to simplified underwriting

This makes DSCR loans ideal for self-employed investors, those with complex financial profiles, or anyone building a portfolio of income-producing properties in California.

Why California Real Estate Investors Choose DSCR Loans

California’s real estate market is diverse and competitive, ranging from high-end rentals in Los Angeles to cash-flowing properties in Riverside or Fresno. DSCR loans offer distinct advantages for investors in this environment:

No Personal Income Documentation

Investors can qualify based solely on the income of the property, not their personal income or employment history.

Faster Closings

DSCR loans often close in 2–3 weeks, which is crucial in fast-moving markets like San Diego or San Francisco.

Finance Multiple Properties

Many lenders limit the number of financed properties in conventional loan portfolios. DSCR lenders are often far more flexible, ideal for scaling a rental portfolio across California.

Ideal for Short-Term Rentals

In high-tourism areas such as Palm Springs or Lake Tahoe, investors can use projected Airbnb or VRBO income to qualify.

California DSCR Loan Rates (2025 Update)

As of May 2025, DSCR loan rates in California are competitive but generally higher than traditional loans due to the no-doc structure. Here’s a breakdown of typical interest rates and terms:

Loan TypeInterest Rate Range (May 2025)Max LTV
30-Year Fixed7.00% – 8.50%Up to 80%
Interest-Only (10-Year IO)7.25% – 9.00%Up to 75%
Cash-Out Refinance7.50% – 9.25%Up to 75%
Short-Term Rental (STR)8.00% – 9.75%Up to 70%

GHC Funding offers highly competitive DSCR loan rates through its \$3.2 billion direct lending marketplace. To receive a personalized quote, visit www.ghcfunding.com and submit a short application.

Requirements for a California DSCR Loan

The qualification process for DSCR loans in California is straightforward, with fewer documentation requirements than traditional financing:

RequirementTypical Guidelines
Minimum DSCR1.00 (1.25+ preferred for best terms)
Minimum Credit Score640+ (700+ preferred)
Property TypeSFRs, 2–4 units, condos, multifamily (up to 10 units), STRs
Loan Size\$75,000 to \$5,000,000
DocumentationLease agreement or market rent, property appraisal, 1007 rent schedule
Entity OwnershipAllowed (LLC, Corp, Trusts)
Experience RequiredNone; first-time investors welcome

California-specific regulations and high property values can influence underwriting. A lender familiar with California’s real estate nuances—like GHC Funding—can help navigate these intricacies efficiently.

Best Cities in California for DSCR Loan Investments

California offers a wide variety of investment opportunities, from urban apartments to short-term vacation rentals. Here are some of the top markets where DSCR loans are commonly used:

Los Angeles

High rental demand, especially in submarkets like Glendale, Koreatown, and Highland Park. Great for long-term and short-term rental strategies.

San Diego

Tourism and military presence drive strong rental demand. Popular neighborhoods include North Park, La Jolla, and Pacific Beach.

Sacramento

Lower price points compared to coastal areas with strong rent-to-value ratios, ideal for positive DSCR metrics.

Fresno

High-yield cash-flowing properties are plentiful, making Fresno a top DSCR market for new investors.

Riverside and Inland Empire

Strong population growth and lower acquisition costs make this region attractive for long-term buy-and-hold investors.

San Jose and Bay Area

Although entry prices are high, rents are also elevated. Investors often use DSCR loans to avoid DTI limitations.

To compare rental market trends by region, refer to the Redfin California Housing Market Report.

DSCR Calculation Example for a California Property

Let’s say you want to purchase a duplex in Sacramento for \$520,000. You expect \$3,800 per month in total rental income. Your monthly mortgage payment (including taxes and insurance) would be \$3,200.

DSCR = \$3,800 ÷ \$3,200 = 1.19

A DSCR of 1.19 qualifies with most lenders, especially if you have a solid credit score and put down 20–25%.

Need help calculating DSCR for your next investment? Use a DSCR calculator or request a free analysis from GHC Funding.

Why GHC Funding Is the Best DSCR Lender in California

When it comes to DSCR loans, GHC Funding has positioned itself as a leading lender across California by offering:

  • Fast approvals (term sheets in 24–48 hours)
  • Loans from \$75K to \$15M
  • No income verification
  • Customized terms and rate buydowns
  • Access to a nationwide lender network with California-specific expertise

Whether you’re investing in a fourplex in San Diego or refinancing a short-term rental in Santa Barbara, GHC Funding brings the underwriting knowledge and flexibility required to close successfully.

Learn more at www.ghcfunding.com or call 833-572-4327 to speak with a DSCR lending specialist.

How to Apply for a DSCR Loan Through GHC Funding

Here’s the step-by-step process to secure your California DSCR loan through GHC Funding:

  1. Prequalify Online
    Submit basic information about your investment property. No credit pull required to get started.
  2. Receive a Custom Term Sheet
    GHC Funding will issue a term sheet within 24–48 hours with rate, term, and LTV options.
  3. Appraisal Ordered
    Includes a 1007 rent schedule to verify market rental income.
  4. Submit Entity Documents
    If purchasing through an LLC or trust, GHC will collect minimal business documentation.
  5. Close in 2–3 Weeks
    Funds are wired to escrow after title and underwriting are finalized.

To start your application, visit www.ghcfunding.com or click “Apply Now.”

Final Thoughts: Is a California DSCR Loan Right for You?

With high property values and rapidly changing real estate dynamics, California is a unique investment environment that rewards speed, flexibility, and access to capital. A California DSCR loan allows you to finance income-producing properties without traditional red tape, helping you scale faster and smarter.

If you’re looking to:

  • Avoid tax return paperwork
  • Qualify based on rental income
  • Invest through an LLC or trust
  • Unlock cash flow through refinancing

Then a DSCR loan may be your ideal solution.

Partner with GHC Funding to access expert advice, fast closings, and investor-focused loan programs built for California’s competitive market.

Additional Resources