A DSCR loan lets California rental investors qualify based on the property's rental income instead of personal tax returns. G Elite Capital offers 30-year fixed DSCR loans across California, including Los Angeles, San Diego, San Jose and every serviced metro. Long-term rentals, short-term rentals, and mid-term corporate housing are all eligible — as are LLCs, LPs, and portfolios with 10+ financed doors.
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, and every other California market.
A DSCR loan qualifies you based on your California property's monthly rent divided by its PITIA (principal, interest, tax, insurance, HOA). If that ratio is 1.0 or higher, the property pays for itself and you qualify — no personal income verification required.
A DSCR of 1.0 or higher unlocks the best pricing. We offer programs down to 0.75 DSCR and "no ratio" loans for California short-term rentals or premium markets where cash flow is tight but appreciation is strong.
Yes. We qualify Airbnb and VRBO properties in California using AirDNA or 12-month rental history. Beach, mountain, and vacation markets across California are all eligible.
Yes — and we recommend it. Closing in an LLC in California keeps the loan off your personal credit and separates asset protection between properties.