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Home/Locations/California/Los Angeles
Los Angeles County

Los Angeles DSCR Loans

Investment Property Financing for LA's Diverse Real Estate Market

From Downtown high-rises to Venice Beach bungalows. Rates from 5.99% • Close in 10-15 days

Get Free Rate Quote(949) 339-3555
$825K
Avg Property Price
4.8%
Rental Yield
1.15
Avg DSCR Ratio
$3,950
Median Rent

Los Angeles DSCR Loans: Market Overview

Los Angeles County is California's largest real estate investment market, offering diverse opportunities from luxury coastal properties to cash-flowing inland neighborhoods. With over 10 million residents and a median rent of $3,950, LA's rental market remains one of the strongest in the nation.

DSCR loans are particularly powerful in Los Angeles because they allow you to qualify based on the property's rental income—critical in a market where property values often exceed $800K. Whether you're targeting multi-families in Koreatown, single-families in the Valley, or condos in Downtown, DSCR financing removes personal income barriers.

Top Investment Neighborhoods in Los Angeles

Koreatown

Avg Price
$625K
Yield
5.2%

High-density multi-families, strong rental demand, walkable urban core

Highland Park

Avg Price
$785K
Yield
4.9%

Gentrifying Eastside, arts scene, appreciation potential

San Fernando Valley

Avg Price
$725K
Yield
5.1%

Suburban single-families, family renters, stable cash flow

Long Beach

Avg Price
$695K
Yield
5.3%

Coastal access, diverse property types, strong job market

South LA

Avg Price
$565K
Yield
5.8%

Best cash flow in LA County, emerging neighborhoods

Downtown LA

Avg Price
$615K
Yield
4.7%

Urban condos, young professionals, appreciation play

Why Los Angeles is Perfect for DSCR Loans

Massive Rental Market

65% of LA residents rent. With 10M+ people, demand is consistent across all price points and neighborhoods.

Strong Appreciation

LA properties have appreciated 7-9% annually over the past decade. Leverage amplifies these gains.

Diverse Property Types

From $400K condos to $2M+ multi-families. Every investment strategy works in LA.

Premium Rents

Median rent $3,950. High rents support strong DSCR ratios even with high purchase prices.

Los Angeles DSCR Loan Requirements

Basic Requirements

  • 640+ credit score (720+ for best rates)
  • 20-25% down payment
  • Property must be investment (not primary)
  • DSCR ratio 0.75+ (1.0+ preferred)
  • Loan amounts: $75K - $3M

NOT Required

  • ✗
    Tax returns or 1040s
  • ✗
    W-2 forms or pay stubs
  • ✗
    Employment verification
  • ✗
    Personal income documentation
  • ✗
    Debt-to-income calculations

Ready to Finance Your Los Angeles Investment Property?

Get pre-approved in 24-48 hours. No tax returns required.

Get Started NowView CA DSCR Guide