Loan Programs
Investor & DSCR
DSCR rental loans, cash-out, seconds, and HELOCs for California investors.
DSCR
DSCR Rental Loan
Qualify a rental property on the property's own cash flow — no personal income documentation.
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DSCR
DSCR Cash-Out Refinance
Pull cash out of a seasoned rental — no personal income documentation.
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DSCR
DSCR 2nd Lien / HELOC
HELOC or fixed second lien on an investment property, qualified on DSCR.
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DSCR
No-Ratio DSCR
DSCR loan with no minimum ratio requirement — higher rate, but closes even when rent doesn't cover PITIA.
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DSCR
Short-Term Rental DSCR (Airbnb)
DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).
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Investor Portfolio
Portfolio Loan (5+ Properties)
Blanket or cross-collateralized loan across 5+ rental properties.
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FAQ
Common questions
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies from the property's rental cash flow (rent ÷ PITIA) rather than personal W-2 income. Most programs look for DSCR at or above 1.0; stronger ratios improve pricing and LTV.
Can I use DSCR financing on short-term rentals in California?
Yes — many wholesalers accept AirDNA or similar short-term rental projections with overlays on occupancy and expense ratios. Local STR ordinances still apply; we underwrite the loan and flag city restrictions you should verify.
How is fix-and-flip different from a rental DSCR loan?
Fix-and-flip is short-term, interest-only acquisition + rehab capital meant to be repaid at sale or refinance. DSCR is long-term rental financing based on stabilized income. Mixing the two without a clear exit plan is a common failure mode.
Do you finance multi-property portfolios?
Yes — one-off DSCR on individual rentals is everyday work. Larger portfolios and blanket loans: call us and we'll tell you.
Can Elite Fundings finance an ADU on an investment property?
DSCR and renovation products can apply after the unit is (or will be) rentable, subject to overlays. Short-term private construction money for a rental ADU is not an Elite Fundings / Vismar consumer mortgage. Map: /adu-financing.