No W-2s • No Tax Returns • Underwritten by Property Cash Flow
Qualify based on rental income alone. Rates starting at 5.50% and points down to 0.75%. Fast closing in 5-7 days.
Works on Zillow, Redfin, and more. Calculate cash flow, ROI, and your DSCR ratio on any California rental property listing instantly as you browse.
In California's fast-moving and expensive real estate market, standard bank verification processes can prevent investors from securing hot properties. California No-Doc Loans bypass these verification hurdles entirely. Instead of analyzing tax returns, W-2 forms, or personal debt-to-income (DTI) ratios, these loans look exclusively at the rental property's ability to cover its own mortgage payments.
Whether you are purchase-financing a duplex in Los Angeles, cash-out refinancing a rental property in San Diego, or expanding a vacation rental portfolio in Orange County, no-doc loans serve as the ultimate leverage. Qualification relies entirely on a metric called the Debt Service Coverage Ratio (DSCR).
By partnering with Capital Bridge Solutions, you unlock access to wholesale capital pools. While direct competitors lock you into a single guideline, we shop your deal across 50+ private lenders to guarantee you secure the absolute best interest rates and points in California.
Our starting rates from 5.5% and origination points from 0.75% provide thousands of dollars in upfront and monthly savings compared to other non-QM lenders.
We process and close deals in 5-7 days, allowing you to compete effectively against cash offers in competitive California markets.
Keep your personal financials private. No tax returns, W-2s, pay stubs, bank statements, or employer audits are ever required.
The Debt Service Coverage Ratio (DSCR) is calculated by dividing the gross monthly rental income by the monthly mortgage payment (which includes Principal, Interest, Taxes, Insurance, and any HOA dues, or PITIA). For example, if a property rents for $3,000 per month and the PITIA payment is $2,500, the DSCR is 1.20.
Yes, closing in the name of a business entity (like an LLC, Corporation, or Partnership) is highly encouraged for asset protection and liability limitation, and is fully supported by our wholesale lending programs.
Absolutely. We offer specialized short-term rental programs where we calculate the DSCR using historical Airbnb/VRBO statement data or projections from third-party tools like AirDNA.
Our wholesale lending programs cover loan amounts ranging from $75,000 up to $30,000,000, allowing you to finance everything from small condos to large multi-family portfolios.
Skip the red tape. Save thousands on rates and points by letting us shop over 50 lenders. Get pre-approved in 24-48 hours.