Question 1

What DSCR ratio do I need for a Beverly Hills rental property?

Accepted Answer

Most lenders require 1.0x minimum, preferring 1.25x. A property generating $15,000 rent with $12,000 total monthly payment hits 1.25x DSCR.

Question 2

Can I use projected rent for a DSCR loan in Beverly Hills?

Accepted Answer

Yes. Lenders order appraisals with market rent analysis. That projected rent amount determines your DSCR ratio, not actual current income.

Question 3

Do DSCR loans work for Beverly Hills condos?

Accepted Answer

Yes, but high HOA fees reduce your DSCR ratio. A $2,000 monthly HOA gets added to your mortgage payment when calculating debt service coverage.

Question 4

How much down payment do Beverly Hills DSCR loans require?

Accepted Answer

Expect 20–25% down minimum. Some lenders go to 15% with strong credit and higher rates, but 25% down unlocks best pricing.

Question 5

Can I get a DSCR loan without U.S. tax returns?

Accepted Answer

Yes. DSCR loans qualify on property income only. Foreign nationals and investors with complex returns use these loans specifically to avoid income documentation.

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