loan types
dscr investor loans
California

DSCR Investor Loans in California

Self-employed borrowers in California qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
Start Your ApplicationSee how it works
No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans in California allow self-employed borrowers and real estate investors to qualify for financing using bank deposits rather than traditional income documentation.

These non-QM programs analyze cash flow patterns from personal or business accounts to determine borrowing capacity, making them particularly valuable for entrepreneurs, contractors, and investors whose income fluctuates or comes from multiple sources.

California borrowers benefit from the state's robust real estate market and diverse economy, which creates numerous opportunities for non-traditional income earners who need flexible underwriting. Mortgage companies evaluate deposits over specific timeframes and apply expense ratios to calculate qualifying income, while maintaining competitive loan amounts and debt-to-income parameters.

theLender offers bank statement loans using either 12 or 24 months of personal or business bank statements to establish qualifying income.