Investor Guide
Why High-Net-Worth Buyers in California Are Choosing DSCR Over W-2 Loans
Hieu Nguyen 5 min read
The Power of DSCR Lending for California Real Estate Investors
Traditional residential mortgage guidelines rely heavily on personal W-2 income and tax returns. For entrepreneurs, business owners, and multi-property investors, taxable write-offs often restrict borrowing capacity.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers solely based on the rental income generated by the subject property, divided by the monthly mortgage payment (PITIA).
- No Tax Returns or W-2s Required
- Unlimited Number of Financed Properties
- Streamlined 18-Day Escrow Closings
Connect with Hieu Nguyen at Century Financial Group Co. (direct 714-409-9272, office 714-541-4770) to structure your next California investment purchase.
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