A DSCR loan qualifies a Beverly Hills rental on its rent ÷ payment ratio, not your income, and can be vested in an LLC. Beverly Hills' ultra-luxury long-term lease market produces strong rent comps, though prices still often outrun rents. Aim DSCR ≥ 1.0, credit ~640–660+, 20–25%+ down. Long-term only — STR restricted. Full program details.
How a DSCR loan works
Instead of your income, the lender asks whether the property covers its own payment. DSCR is monthly rent ÷ full payment (PITIA); at 1.0, rent exactly covers the mortgage. Your personal DTI never enters in, and title can sit in an LLC — a structure many Beverly Hills investors prefer.
The Beverly Hills advantage: a real luxury lease market
Typical terms (2026)
| Feature | Typical |
|---|---|
| Qualifying basis | Property cash flow — no personal income docs |
| Min DSCR | Often ≥ 1.0 (some sub-1.0 w/ adjustments) |
| Vesting | LLC vesting commonly allowed |
| Credit score | ~640–660+ |
| Down payment | ~20–25%+ (often more here) |
| Rentals | Long-term only — STR restricted |
Terms vary by lender, ratio & property; illustrative for 2026, not an offer. Confirm short-term rental rules independently.
DSCR loan FAQs
What is it?
A rental loan qualifying on property cash flow, not personal income.
Real rental market here?
Yes — a deep ultra-luxury long-term lease market; strong comps help.
Short-term rentals?
Restricted — underwrite long-term rent.
Hold in an LLC?
Yes — commonly allowed; many investors prefer it.
Typical terms?
~640–660+ credit, 20–25%+ down, no income docs. Illustrative.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), serving Beverly Hills from its Marina del Rey office. Short-term rental rules are set by local government and change; confirm independently. Nothing here is investment advice.