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Agoura Hills sits in the western San Fernando Valley corridor. Rental demand here is steady — proximity to the 101 and strong school districts keep tenant turnover low.
That rental stability is exactly what DSCR lenders want to see. A property that holds tenants is a property that can service its own debt.
680–700 typical
Min Credit Score
1.0 at most lenders
Min DSCR Ratio
None (rent-based)
Income Docs Required
20–25% typical
Down Payment
Non-QM / Investor
Loan Type
DSCR Loans in Agoura Hills
DSCR loans qualify you based on the property's rent — not your W-2 or tax returns. Lenders divide the monthly rent by the monthly mortgage payment to get your DSCR ratio.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full payment. Some programs go below 1.0, but expect a higher rate and larger down payment.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Agoura Hills.
Agoura Hills sits in the western San Fernando Valley corridor. Rental demand here is steady — proximity to the 101 and strong school districts keep tenant turnover low.
That rental stability is exactly what DSCR lenders want to see. A property that holds tenants is a property that can service its own debt.
DSCR loans qualify you based on the property's rent — not your W-2 or tax returns. Lenders divide the monthly rent by the monthly mortgage payment to get your DSCR ratio.
DSCR is a non-QM product. Your local bank won't touch it. You need wholesale lenders who specialize in investor financing — and guidelines vary widely between them.
Rate and DSCR minimums differ from lender to lender. One shop may cap at 75% LTV. Another allows short-term rental income. Shopping matters on this product.
The most common mistake investors make: using projected rent instead of a signed lease or market rent appraisal. Lenders will order a 1007 rent schedule — get your numbers right before applying.
Agoura Hills properties with ADUs can be strong DSCR candidates. Some lenders count ADU rental income in the ratio calculation. That extra unit can push a borderline deal over 1.0.
Bank Statement loans look at your business deposits. Hard Money moves faster but costs more. DSCR sits in the middle — it's the cleanest long-term hold option for rental investors.
Conventional investor loans need full income docs and cap out at 10 financed properties. DSCR has no such cap. If you're scaling a portfolio, DSCR is the right tool.
Los Angeles County has strict rent control in many cities — but Agoura Hills is not subject to LA City RSO rules. That gives investors more flexibility on rents and vacancies.
As of April 2026, LA County's broader investor market remains competitive. Properties near the 101 and Las Virgenes Unified schools tend to appraise well and rent fast.
Some lenders accept short-term rental income using platforms like AirDNA. Not all do — this is a lender-by-lender call.
Most lenders require 1.0 minimum. Below that, some programs exist but carry higher rates. Rates vary by borrower profile and market conditions.
No. DSCR loans don't use personal income. The property's rent is what qualifies you.
Yes. Most DSCR lenders allow LLC vesting. This is one reason investors prefer DSCR over conventional financing.
Most lenders price best at 700+. Some go down to 660, but expect a rate adjustment. Rates vary by borrower profile and market conditions.
Yes, if the ADU is rentable and documented. Select lenders include ADU income in the debt service ratio calculation.