Los Angeles, CA · DSCR Rental Loans
DSCR Rental Loans in Los Angeles
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Los Angeles investors choose 818
LA is a higher-ticket market where the deal math turns on structure: value-add multifamily recaps, bridge on 1031 clocks, and 2–4 unit plays threaded through city-specific rent-stabilization rules. Coastal title and insurance cycles run slower than inland — the close-day forecast has to price that in, not discover it in week four.
Our edge here: We underwrite LA and city-of-LA rent stabilization (RSO) separately from LA County stock — the DSCR on a stabilized fourplex is a different loan than the same building two blocks outside the boundary.
DSCR Rental Loans: Los Angeles 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 — Los Angeles DSCR loans
Does 818 Capital offer DSCR loans in Los Angeles?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Los Angeles and the greater Los Angeles County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Los Angeles?
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 Los Angeles neighborhoods do you lend in?
We actively finance DSCR loans across Highland Park, Leimert Park, North Hollywood, San Pedro, El Sereno, and other submarkets of Los Angeles County.
How fast can 818 Capital close a DSCR loan in Los Angeles?
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 Los Angeles
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 Los Angeles deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.