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Beverly Hills rental properties command premium rents that often justify million-dollar purchases. DSCR loans let you qualify based on that rental income alone.
Investors here typically need 1.0x–1.25x DSCR ratios. A $15,000 monthly rent covering a $12,000 PITI payment creates a 1.25x ratio that most lenders approve.
DSCR Loans in Beverly Hills
Most lenders require 20–25% down for Beverly Hills DSCR deals. Credit scores start at 660, though 700+ unlocks better rates.
The property's projected rent must cover the mortgage payment plus taxes, insurance, and HOA fees. Lenders use market rent appraisals, not your personal income docs.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Beverly Hills.
Beverly Hills rental properties command premium rents that often justify million-dollar purchases. DSCR loans let you qualify based on that rental income alone.
Investors here typically need 1.0x–1.25x DSCR ratios. A $15,000 monthly rent covering a $12,000 PITI payment creates a 1.25x ratio that most lenders approve.
Most lenders require 20–25% down for Beverly Hills DSCR deals. Credit scores start at 660, though 700+ unlocks better rates.
DSCR lenders vary wildly on Beverly Hills properties. Some cap at $2M, others go to $3.5M+. Rate spreads between lenders hit 1–2% on identical deals.
Non-QM lenders underwrite these loans. Portfolio lenders often approve tighter ratios (0.9x–1.0x) that agency investors reject. Rate shopping saves real money here.
Beverly Hills condos in full-service buildings create DSCR complications. High HOA fees eat into cash flow ratios. Factor $1,500–$3,000 monthly HOA into your DSCR calculation.
Appraisers lowball rent estimates in ultra-luxury buildings. Order the appraisal with comparable rent data from your property manager. That documentation prevents DSCR ratio failures.
Bank statement loans require two years of deposits but allow lower down payments. DSCR loans skip all personal income docs but demand more cash upfront.
Hard money works for fix-and-flip timelines under 12 months. DSCR loans fit buy-and-hold investors planning multi-year ownership with rental income.
Beverly Hills rental regulations limit some property types. Single-family zoning restrictions affect your rental strategy. Verify zoning allows long-term rentals before applying.
Rent control doesn't apply to most Beverly Hills properties, but tenant protections do. Strong rental demand supports DSCR ratios even with longer vacancy periods factored in.
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.
Yes. Lenders order appraisals with market rent analysis. That projected rent amount determines your DSCR ratio, not actual current income.
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.
Expect 20–25% down minimum. Some lenders go to 15% with strong credit and higher rates, but 25% down unlocks best pricing.
Yes. DSCR loans qualify on property income only. Foreign nationals and investors with complex returns use these loans specifically to avoid income documentation.