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Arcadia sits in the San Gabriel Valley, one of LA County's most active investor markets. Rental demand here is strong, and DSCR loans are built exactly for this.
DSCR — Debt Service Coverage Ratio — means the property's rent qualifies you, not your tax returns. That's a major advantage for investors with complex income.
620–660
Min Credit Score
1.0–1.1
Min DSCR Ratio
20–25%
Down Payment
None Required
Income Docs
Up to 30 Years
Loan Term
DSCR Loans in Arcadia
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the mortgage exactly. Most lenders want 1.1 or higher.
Credit score minimums typically start at 620 to 660. Expect to put 20% to 25% down. The property must be a non-owner-occupied rental — your primary residence won't qualify.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Arcadia.
Arcadia sits in the San Gabriel Valley, one of LA County's most active investor markets. Rental demand here is strong, and DSCR loans are built exactly for this.
DSCR — Debt Service Coverage Ratio — means the property's rent qualifies you, not your tax returns. That's a major advantage for investors with complex income.
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the mortgage exactly. Most lenders want 1.1 or higher.
DSCR loans are non-QM products. That means big retail banks won't offer them. You need a broker with access to wholesale non-QM lenders — that's exactly what we do.
Rates on DSCR loans run higher than conventional rates. Lenders price in the added risk. Shopping across 200+ wholesale lenders makes a real difference on your rate and terms. Rates vary by borrower profile and market conditions.
Arcadia attracts a lot of investors who hold LLCs. Good news — most DSCR lenders allow vesting in an LLC or corporation. Your entity can own the property and still close the loan.
Short-term rental income from platforms like Airbnb can sometimes count toward DSCR. Not every lender allows it. We know which ones do, and which ones use market rent instead.
Bank Statement Loans also skip tax returns, but they verify your personal deposits instead. DSCR ignores your income entirely — the rent does all the work.
Hard Money Loans close faster but carry much higher rates and short terms. DSCR loans give you a 30-year fixed option. That's real hold-and-rent financing, not a short bridge.
Arcadia's rental market benefits from proximity to top-rated schools and Santa Anita Park. Tenant demand stays consistent, which supports strong DSCR ratios on single-family rentals.
LA County has some of the highest property values in the state. Make sure your rent-to-mortgage ratio pencils out before you go under contract. A property that cash flows in other markets may not in Arcadia.
Most lenders want a ratio of 1.1 or higher. Some allow 1.0, but expect a higher rate.
Yes. Most DSCR lenders allow LLC vesting. It's one of the bigger advantages of this loan type.
No. Lenders qualify the loan on rental income, not your personal returns. That's the whole point.
Single-family rentals, condos, and 2–4 unit properties are common. Some lenders go up to 8 units.
Some lenders accept short-term rental income. Others use market rent only. Lender selection matters here.
DSCR rates run higher than conventional. Shopping wholesale lenders helps narrow that gap. Rates vary by borrower profile and market conditions.