Accelerated Investment Group
Accelerated Express DSCR1–4 Unit Rental Properties📞 Call Now: (661) 489-5363California DSCR Loans for 1–4 Unit Rental Properties
If you’re a real estate investor in California and you’re tired of:
- Banks asking for years of tax returns
- Income documentation slowing everything down
- Deals falling apart because of “overlay” rules
- Missing opportunities because underwriting takes too long
You’re not alone. Accelerated Express DSCR was built specifically for California rental property investors who want a faster, property-focused path to approval.
✔ The rental income performance (DSCR) of the property
Not your tax returns. Not your W-2 income. Not unnecessary red tape.
California only. Non-owner occupied. Business-purpose loans only. All loans subject to appraisal and underwriting review.
Selecting “Apply Now” redirects to affiliated Accelerated Lending Group to complete the application.
What Is a DSCR Loan?
DSCR = Debt Service Coverage Ratio
It simply means:
If the property pays for itself (or close to it), you may qualify. This is a property-driven loan, not a personal income loan.
California DSCR Loans at a Glance
A California DSCR loan is a business-purpose mortgage for a non-owner-occupied rental property. Qualification focuses primarily on the property’s rental income, monthly housing expense, appraised value, condition and overall risk—not traditional W-2 or tax-return income.
Eligible Properties
California 1–4 unit non-owner-occupied rental properties, subject to appraisal and underwriting.
Primary Qualification
Rental income compared with the property’s monthly housing payment, commonly called DSCR.
Common Uses
Purchases, rate-and-term refinances, business-purpose cash-out and portfolio growth.
Program terms are case-by-case and may vary based on leverage, property type, credit profile, reserves, experience, marketability and other risk factors.
Who This Program Is Designed For
Great Fit For
- Investors buying 1–4 unit rental properties
- Rental refinances (rate & term or cash-out for business use)
- BRRRR strategy investors
- Self-employed investors
- First-time rental investors
- Portfolio builders
- LLC / Corporation vesting
- ITIN borrowers (case-by-case)
- Recent BK or foreclosure considered (case-by-case)
Program Basics
- California only
- Non-owner occupied
- Business-purpose loans only
- Property-focused review: As-Is value + DSCR
Not for primary residences or consumer-purpose transactions.
Why Investors Choose Accelerated Express DSCR
Property-First Approval
No Tax Returns Required
Flexible Underwriting
Flexibility Highlights (Case-by-Case)
- No minimum FICO requirement
- As little as 0 months reserves
- No seasoning of funds
- Gift funds allowed
- Seller contributions allowed
Vacant Rental?
Interest-Only Options
All loans subject to appraisal, underwriting review, and risk layering (case-by-case).
Loan Amounts & LTV Guidelines
California Only • Case-by-Case Review
Purchase
Rate & Term Refinance
Cash-Out Refinance
All loans subject to appraisal and underwriting review.
Available Loan Terms
Built for BRRRR exits, stabilization, bridge-to-rent transitions, and portfolio scaling.
| Term Option | Structure |
|---|---|
| 18 Month | Interest-Only |
| 2-Year | Interest-Only |
| 3-Year | Interest-Only |
| 30-Year | Fixed • Due in 5 Years |
Ideal for
Cross-Collateral Portfolio Option
Own multiple properties? You may qualify for one loan secured by multiple properties (case-by-case).
Benefits
- One loan secured by multiple properties (case-by-case)
- One closing
- One payment
- Blended DSCR review
Why it matters
Subject to underwriting, appraisal, and overall risk review.
What Drives Approval?
As-Is Appraised Value
Rental Income & DSCR
Risk & Condition
All loans are subject to the marketability, quality, and condition of the subject property.
What You’ll Need to Apply
Borrower Documentation
- Completed loan application (1003)
- Credit report
- Government-issued ID
- SSN or ITIN (if applicable)
- Letter confirming cash-out funds are for business purposes (if applicable)
Property Documentation
- Purchase agreement (if buying)
- Insurance declaration page
- Most recent mortgage statement (refinances)
- Appraisal (ordered through approved vendor)
Typical Turn Times
| Stage | Average Time |
|---|---|
| Initial Review | 1–2 Business Days |
| Conditions Review | 1–2 Business Days |
| Clear to Close | 1 Business Day |
| Loan Docs | Scheduled 1–2 Business Days After CTC |
California markets move quickly — so do we.
Bakersfield DSCR Loans by Neighborhood
Accelerated Investment Group works with real estate investors evaluating rental-property opportunities throughout Bakersfield and Kern County. Local knowledge can be especially helpful when reviewing rents, comparable sales, property condition and neighborhood marketability.
Northwest Bakersfield and Rosedale
DSCR financing for rental homes near the Westside Parkway, Rosedale Highway, Coffee Road, Calloway Drive and growing northwest residential communities.
Seven Oaks and Southwest Bakersfield
Investment-property loans for higher-value rental homes near Stockdale Highway, Ming Avenue, Buena Vista Road and the Seven Oaks area.
Riverlakes and Northwest Communities
Rental-property financing near Hageman Road, Coffee Road and Calloway Drive, including established and newer northwest Bakersfield neighborhoods.
Downtown, Westchester and Riviera
DSCR loans for rentals near Truxtun Avenue, 24th Street, Downtown Bakersfield, Westchester, Riviera and the city’s government, legal and medical core.
Northeast and City in the Hills
Financing for rental properties near Highway 178, Morning Drive, City in the Hills and the northeast Bakersfield foothill communities.
Oildale and North Bakersfield
Business-purpose rental-property loans for Oildale, North Bakersfield and nearby residential areas serving local industrial, energy and transportation employers.
Other Kern County markets may also be considered, including Shafter, Wasco, Delano, Taft, Tehachapi, Arvin, Lamont, McFarland and surrounding California communities, subject to program eligibility, appraisal and marketability.
Built for California Investors
We lend only in California and understand the timelines, values, and investor strategy that matter here.
Learn more about California private money and investment-property lending, our California Broker Hub, and how to request a loan scenario.
All loans are subject to the marketability, quality & condition of the subject property.
Rental Financing Across Kern County’s Major Industries
Bakersfield’s rental market is supported by a diverse employment base. Investors may evaluate housing demand near agricultural operations, energy employers, distribution corridors, hospitals and other major Kern County job centers.
Agriculture and Agribusiness
DSCR financing may support rental-property investments serving workers and businesses connected to almonds, pistachios, grapes, citrus, irrigation, cold storage, food processing, ag-tech and agricultural supply chains.
Oil, Energy and Utilities
Investors may seek rental financing near oilfield operations, industrial service companies, utility employers and expanding solar and renewable-energy projects throughout Kern County.
Transportation and Logistics
Bakersfield’s access to Highway 99, Highway 58 and Interstate 5 supports warehousing, trucking and distribution activity that can contribute to rental demand.
Healthcare and Professional Services
Rental housing may serve employees near Kern Medical, Adventist Health Bakersfield, Memorial Hospital, medical offices, county government and Downtown professional centers.
Industry references describe local market context and do not guarantee rental demand, property performance, approval or future value.
California DSCR Loan FAQs
What is a DSCR loan?
A DSCR loan is a business-purpose rental-property loan that primarily compares the property’s rental income with its monthly housing expense instead of relying on traditional personal-income qualification.
How is DSCR calculated?
DSCR is generally calculated by dividing qualifying monthly rental income by the applicable monthly property payment. The exact payment components and rent calculation depend on the program and underwriting guidelines.
Do California DSCR loans require tax returns?
Accelerated Express DSCR is designed without traditional tax-return qualification. Documentation may still be required to verify identity, assets, business purpose, property information, insurance and other underwriting conditions.
Can a vacant Bakersfield rental property qualify?
A vacant rental may be considered using market rent supported by the appraisal and rent comparables, subject to the property, leverage, marketability and case-by-case underwriting.
Can an LLC or corporation obtain a DSCR loan?
LLC and corporation vesting may be available. Entity documents, ownership information, personal guarantees and other conditions may be required.
Are first-time real estate investors eligible?
First-time rental-property investors may be considered. Experience, reserves, credit, property condition, leverage and other risk factors are reviewed case by case.
Can I use a DSCR loan for cash out?
Business-purpose cash-out refinancing may be available for eligible non-owner-occupied rental properties. The use of proceeds, available equity and maximum leverage are subject to underwriting.
Which Bakersfield neighborhoods are eligible?
Eligible properties may be located throughout Bakersfield, including Northwest Bakersfield, Rosedale, Seven Oaks, Riverlakes, Southwest Bakersfield, Downtown, Westchester, Riviera, Oildale, Northeast Bakersfield and City in the Hills, subject to appraisal and program review.
Where are Accelerated Express DSCR loans available?
The program is available for eligible California non-owner-occupied, business-purpose 1–4 unit rental-property transactions.
How quickly can a DSCR loan close?
Closing time depends on appraisal timing, title, insurance, documentation and underwriting. Complete and responsive files generally move more quickly, but no specific closing date is guaranteed.
Have another question? Request a California DSCR loan review or call (661) 489-5363.
Important Program Disclosure
California Only • Non-Owner Occupied Properties • Business-Purpose Loans Only
Not for primary residences or consumer-purpose transactions.
All loans subject to appraisal, underwriting review, DSCR evaluation, equity analysis, and risk layering. Not a commitment to lend. Terms may change without notice.
All loans are subject to the marketability, quality & condition of the subject property.
Accelerated Investment Group
Company NMLS: 2633929 • DRE# 02241664
5330 Office Centre Ct, Ste 49, Bakersfield, CA 93309
© 2026 Accelerated Investment Group. All rights reserved.