Master DSCR Loans: A Straightforward Guide for Central Valley Investors

Real estate investing in the Central Valley is booming — and traditional lending can’t always keep up. For many investors, the Debt Service Coverage Ratio (DSCR) loan has become the ultimate financing tool to purchase, refinance, or expand a rental property portfolio. Whether you’re based in Fresno, Clovis, Visalia, Bakersfield, Madera, or Modesto, this flexible loan program allows you to qualify based on the property’s rental income — not your personal tax returns or paystubs.

Available in 38 states, DSCR loans are ideal for experienced and first-time investors alike. And in California, investors can finance up to 5–8 units — making it an excellent option for growing portfolios.

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) Loan measures a property’s ability to cover its own mortgage payment using rental income.
Instead of requiring W-2s or tax returns, the loan is based on the cash flow strength of the property itself.

In short:

If your property’s rental income covers the mortgage payment, property taxes and insurance, you can qualify.

Key DSCR Loan Benefits

No tax returns or personal income verification required
Qualify using rental income from the property
Purchase or refinance investment properties
Finance 1–4 units nationwide; 5–8 units available in California
Available in 38 states
Use for long-term rentals, short-term rentals (Airbnb/VRBO), or multi-units
Flexible loan amounts — from single-family homes to small apartment buildings
Unlimited properties (no cap on financed homes)
Close in the name of an LLC or personal name
Flexible prepayment options and competitive rates

Who Can Benefit from a DSCR Loan?

• Real estate investors growing a rental portfolio
• Self-employed borrowers with nontraditional income
• Airbnb, VRBO, and short-term rental property owners
• Realtors helping investor clients close faster
• Borrowers seeking to refinance and cash out equity

Example Scenario

An investor in Clovis owns a 4-unit property renting for $6,000 per month. The total monthly mortgage payment (PITI) is $4,200.
That gives a DSCR ratio of 1.42 ($6,000 ÷ $4,200) — meaning the property more than covers its payment.
Result: This investor qualifies without ever showing tax returns or paystubs.

Why Central Valley Investors Love This Program

• Expanding rental markets in Fresno, Bakersfield, Madera, and Merced
• Affordable multi-unit opportunities with high rental yields
• Ability to scale faster without complex income documentation
• Flexibility to invest across 38 states while maintaining Central Valley roots

Get Started Today

I specialize in helping investors navigate creative financing options like DSCR loans.
If you’re ready to grow your real estate portfolio — or if you’re a realtor helping investor clients — let’s talk about how this program can fit your goals.

Call or Text: 209-227-7745 or 559-476-9279
Visit: www.RobertClarkLoans.com
Email: rbrtclark53@gmail.com

Compliance & Disclaimers

• Equal Housing Lender.
• Firestone Financial Group | NMLS #301522 | Robert Clark NMLS #357788.
• This is not a commitment to lend. All loans are subject to credit, rental income, and property approval. Terms and conditions are subject to change without notice.
• Programs may not be available in all states or for all loan amounts.
• For official information about how to opt out of pre-screened credit offers, visit OptOutPrescreen.com.