A DSCR loan qualifies an Anaheim rental on its debt service coverage ratio — rent ÷ full payment (PITIA) — instead of your income. Aim for DSCR ≥ 1.0, credit ~640–660+, 20–25% down, no tax returns. Best used with long-term rent here. Full program details.
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How a DSCR loan works
Instead of your pay stubs or tax returns, the lender looks at whether the property pays for itself. If the rent covers the mortgage payment, the loan works — regardless of your personal income. That's what makes DSCR the go-to tool for serious investors: your personal DTI never enters the picture, so you can keep buying.
The ratio, simply
| DSCR | Meaning |
|---|---|
| 1.25 | Rent exceeds payment by 25% — strong |
| 1.00 | Rent exactly covers the payment |
| Below 1.00 | Shortfall — some lenders allow with adjustments |
DSCR = monthly rent ÷ PITIA (principal, interest, taxes, insurance, HOA). Illustrative for 2026.
Typical terms (2026)
| Feature | Typical |
|---|---|
| Qualifying basis | Property cash flow — no personal income docs |
| Min DSCR | Often ≥ 1.0 (some lower w/ adjustments) |
| Credit score | ~640–660+ |
| Down payment | ~20–25% |
| Property | SFR or 2–4 units (long-term rent) |
| Rate | Typically above conventional |
Terms vary by lender, ratio & property; illustrative for 2026, not an offer.
DSCR loan FAQs
What is it?
A rental loan qualifying on property cash flow, not personal income.
How's DSCR calculated?
Monthly rent ÷ PITIA. 1.0 = rent covers payment.
Short-term rentals?
Anaheim restricts them — plan on long-term rent & confirm local rules.
Typical terms?
~640–660+ credit, 20–25% down, no income docs. Illustrative.
Why useful here?
Huge tourism workforce = deep, steady long-term rental demand.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), serving Anaheim from its Newport Beach office. Confirm local short-term rental rules independently.