Costa Mesa, CA · DSCR Rental Loans
DSCR Rental Loans in Costa Mesa
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Costa Mesa investors choose 818
Costa Mesa sits one zip code inland from Newport at a meaningful discount, with rental demand fed by the OC job core and a steady renter base that can't buy in. Eastside cottages, 2–4 unit stock near 17th Street, and small multifamily off Harbor all trade actively — and ADU additions are rewriting the unit math on ordinary SFR lots.
Our edge here: We underwrite ADU income on Costa Mesa properties when the unit is permitted — that swing often takes a deal from declined to funded.
DSCR Rental Loans: Costa Mesa terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — Costa Mesa DSCR loans
Does 818 Capital offer DSCR loans in Costa Mesa?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Costa Mesa and the greater Orange County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Costa Mesa?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Costa Mesa neighborhoods do you lend in?
We actively finance DSCR loans across Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro, and other submarkets of Orange County.
How fast can 818 Capital close a DSCR loan in Costa Mesa?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Costa Mesa
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental Loans in other markets
Ready to close your Costa Mesa deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.