DSCR Direct

SO-CAL Capital DSCR loan rates change daily based on market conditions. DSCR Direct pulls live pricing from SO-CAL Capital and hundreds of other lenders to show you the lowest rate available right now. Use our free pricer tool for your exact rate — no personal info required.

SO-CAL Capital accepts FICO scores as low as 620 for their DSCR programs. The best rates are typically available at 740+, but competitive options exist at every credit tier.

SO-CAL Capital is available in California + 20 states. Some states may have restrictions. Use our pricer tool — enter your property's zip code and we'll instantly show if SO-CAL Capital has pricing available in your area.

SO-CAL Capital typically closes DSCR loans in 14-21 days. Actual closing time depends on the complexity of your deal, appraisal turnaround, and title work. DSCR loans close faster than conventional because there's no income verification.

Rather than picking one lender, DSCR Direct compares SO-CAL Capital against hundreds of other DSCR lenders simultaneously. The best lender depends on your specific scenario — credit score, loan amount, LTV, and property type all affect which lender wins. Use our pricer to see how SO-CAL Capital stacks up for YOUR deal.