Investment property financing qualified on the property's rental income — not your personal income or tax returns.
A DSCR loan looks at the property, not your paycheck. The lender compares the rent the property brings in to its monthly housing cost — principal, interest, taxes, insurance and any HOA. That ratio is the debt service coverage ratio.
Because qualification is driven by the property's cash flow, there are no tax returns, W-2s or pay stubs to document personal income. Credit, reserves and the property itself still matter, and we structure the file around all three.
We work with multiple DSCR investors, so we can match the loan to the deal — purchase or cash-out, single property or a growing portfolio, held personally or in an entity.
44% of San Jose's occupied homes are rented, according to the Census Bureau's 2020–2024 American Community Survey. A DSCR loan qualifies a rental property on the rent it brings in, rather than on your personal income.
This is business-purpose financing for investment property only. It is not for a home you or your family will live in.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for Santa Clara County, where most of San Jose’s residents live.
Many DSCR lenders accept short-term rental income. Check San Jose's short-term rental rules first, because they decide whether the property can be rented that way.
Many DSCR lenders allow it. We match the loan to how you hold the property.
Qualification is based on the property's cash flow, not your personal income documentation. Credit, reserves and the property itself still matter.
Send a few details about what you’re planning and we’ll follow up. There is no obligation.
David Young, NMLS #62043, CA DRE #01371572. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
David Young, CA DRE Broker Associate #01371572, NMLS #62043. Loans arranged through Lendwise Mortgage, Inc., California Department of Real Estate Corporation License #02282825, NMLS #2702455.
DSCR and commercial loans are business-purpose loans for investment or commercial property, not for personal, family or household use.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.