Fast Flexible Rental Loan Solutions for Investors
No Rental Income or Cash-Flow Requirements
Are you an investor in California seeking a hassle-free way to fund your next property? A No DSCR Loan—also known as a No Ratio Mortgage, No Ratio Loan, or No DSCR Rental Loan—might be the perfect solution. These loans eliminate traditional income or cash-flow requirements, empowering you to take advantage of investment opportunities quickly and with ease.
Why Choose a No DSCR Rental Loan?
- No rental income verification
- No cash-flow calculations
- No tax returns or income proof required
Get funded in just 2–3 weeks and start growing your California real estate portfolio without the usual headaches.
Hassle-Free Loan Requirements
Qualifying for a California No DSCR Loan is simple and streamlined:
No reserves required
No rental income or lease agreements needed
No tax returns or income verification
What Sets No DSCR Loans Apart?
- Finance single-family homes, condos, townhomes, or 2–4-unit properties
- Access up to 75% LTV and 90% CLTV with just 15% down and a seller carryback second mortgage
- Close quickly with minimal documentation
With California No DSCR Loans, you can purchase, refinance, or cash-out refinance—whatever your strategy demands.
Flexible Loan Terms
Choose loan terms that match your investment goals:
30-year fixed rate or interest-only options for up to 10 years
Loan amounts from $250,000 to $5 million
Title options under an LLC, corporation, or individual name
The No DSCR Loan Process
Talk to an Expert
Get a free consultation and quick quote.
Get Pre-approved
Know your rate and costs within 48 hours.
Close Fast
Appraisals and underwriting take just 2–3 weeks.
If you’re hungry for more insights, be sure to check out our other blog posts and subscribe to our YouTube channel for even more tips and tricks.
Call HomeLife Mortgage now and let us help you get pre-approved now!
Our Commitment to Excellence
At HomeLife Mortgage, our dedication to excellence is evident in the success stories of our clients. We pride ourselves on delivering top-tier service and financing solutions that meet our clients' needs. But don’t just take our word for it—hear it from those who matter most: our clients. Our Trustpilot reviews reflect our unwavering commitment to helping you achieve your homeownership and investment goals.
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The Ultimate Guide for DSCR Rental Loans eBook
Download our free eBook to learn the ins and outs of DSCR Rental loans and everything you need to know to apply and qualify for your loan.
More Content For You:
Investment Property Mortgage Rates and Loan Requirements 2023
Why No-income Doc Rental Loans are Fast and Easy
How to qualify for a No-doc Rental Property Loan
Questions?
Click the live chat window on our site or call (888) 677-2526. Our team is ready to assist you!
About HomeLife Mortgage
For more than 25 years, HomeLife Mortgage has built a strong reputation in California and Florida as a leading mortgage broker, servicing the needs of borrowers who have been unable to obtain conventional financing. HomeLife Mortgage is at the forefront of non-bank lending offering the next generation of mortgages including Jumbo Loans, Real Estate Investor Loans, and Bank Statement Loans.
