No W-2. No Tax Returns.
Los Angeles real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Los Angeles Rate →DSCR rental loans in Los Angeles qualify based on the property's rental income, not your W-2 or tax returns. Min credit 660 (640 with compensators), max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 48 states.
Los Angeles is the second-largest US metro and Kiavi's home market. With prices among the highest in the country, LA investors need lenders who can structure deals at $1M-$5M loan amounts, accommodate condo and 2-4 unit properties, and qualify on rental income alone.
Active investor market with rising rents and gentrification activity
Strong DSCR rental market with consistent appreciation
High-density rental market favored by buy-and-hold investors
Multi-unit DSCR activity with strong cash flow potential
Rapidly appreciating market driven by SoFi Stadium development
We also fund investments throughout the greater Los Angeles metro including Burbank, Pasadena, Santa Monica, Culver City, and the San Fernando Valley.
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Yes. DSCR loans qualify based on the Los Angeles rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Los Angeles DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Los Angeles rental yields average 4.2% making this achievable in most submarkets.
Yes. LendingStreet DSCR loans in Los Angeles allow borrowing in an LLC with a personal guarantee.
Los Angeles DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Los Angeles areas have STR restrictions — verify local rules.
Standard DSCR loans in Los Angeles go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Los Angeles rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the California investor market.
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