Approved on rent. Not on tax returns.
DSCR loans qualify you on your property's rental income — not your W2, not your tax returns. Built for real-estate investors who'd rather close than fight underwriters.
DSCR loan terms — at a glance.
Typical program parameters across our 240+ lender network. Your final terms depend on the property, your credit, and the deal you bring.
Not a commitment to lend. Programs and ranges vary by lender, state, and borrower profile.
The loan that works the way investors actually work.
If your rental income pays for the mortgage, taxes, insurance, and HOA — you qualify. Personal income doesn't enter the picture.
No tax returns
Skip the W2s, 1040s, and schedule E gymnastics. Underwriting looks at the property, not your CPA.
Cash-flow qualified
Approval is based on Debt Service Coverage Ratio — the rent vs. the PITIA payment. Period.
Fast close
Typical purchases close in ~3 weeks. We line up lenders before you're under contract so the clock doesn't bury you.
Stack properties
No cap on the number of financed properties. Build the portfolio at the pace the deals come in.
Four steps from inquiry to keys.
Most clients are at "terms locked" in under a week and "funded" in under a month.
Send the deal
Tell me the property, the rent, and how you're structuring the purchase. Two minutes on the form below.
Run the DSCR
I pencil out PITIA vs. rent across the lender pool — you see real numbers, not "rates from."
Lock terms
Pick the rate / LTV combo that maximizes your return. Lock and start docs the same day.
Close in ~3 weeks
Appraisal, title, signing, funding. You get the keys; I get the next deal teed up.
If it rents, we can probably finance it.
DSCR programs cover single-family, multi-family, short-term, and mixed-use deals across California — coast to inland.
An LO who treats your deal like his own portfolio.
"Don't let your income get in the way of your goals. With a DSCR loan, you focus on the property — and I handle everything else."
I'm Kiri Suykry, Loan Officer at Loan Factory — 20+ years in real estate and mortgages, and a full-time investor myself. I work in English and Cambodian / Khmer, and I close DSCR deals across California, from the OC coast to the Inland Empire to NorCal.
Through our 240+ lender network and AI-powered platform, I shop your scenario in real-time and bring you the program that actually maximizes your cash flow — not just the one with the lowest sticker rate.
Backed by Loan Factory's lender network & tech.
The reason rates come in lower here: we shop, we negotiate, and we make less per file than the big retail shops.
Real-time rate comparison across the full lender pool — you see what each one will actually do.
Transparent pricing. What I quote you is what you sign at closing.
Loan Factory's AI engine routes your file to the lender most likely to approve and price it best.
English and Cambodian / Khmer — same expert advice, your preferred language.
Tell me the property. I'll tell you the terms.
Quick reply — usually within the hour during business hours. No spam, no sketchy call centers, no surprise rate-sheets at closing.
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Call or text(949) 245-9313
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Emailkiri@loanfactory.com
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CoverageLicensed in California · Loan Factory