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Accelerated Investment Group
Accelerated Express DSCR1–4 Unit Rental Properties📞 Call Now: (661) 489-5363
Bakersfield • Kern County • California
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California DSCR Loans for Rental Investors

Close Faster on Your California Rental Property

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.

We focus on what matters most:
✔ The current As-Is appraised value
✔ The rental income performance (DSCR) of the property
Not your tax returns. Not your W-2 income. Not unnecessary red tape.
CA OnlyNon-Owner OccupiedBusiness Purpose1–4 Unit Rentals
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California only. Non-owner occupied. Business-purpose loans only. All loans subject to appraisal and underwriting review.

What Is a DSCR Loan?

DSCR = Debt Service Coverage Ratio
It simply means:

DSCR Formula
Rental Income ÷ Monthly Housing Payment (PITI)

If the property pays for itself (or close to it), you may qualify. This is a property-driven loan, not a personal income loan.

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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
We focus on the asset and its income potential.
No Tax Returns Required
No personal income qualification for DSCR loans.
Flexible Underwriting
Case-by-case options built for real-world investor files.
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?
Market rents can be used (case-by-case).
Interest-Only Options
Structured to match your investment strategy.

All loans subject to appraisal, underwriting review, and risk layering (case-by-case).

Loan Amounts & LTV Guidelines

California Only • Case-by-Case Review

Purchase
Up to 70% LTV
Loan Amounts: $100,000 – $2,000,000
Rate & Term Refinance
Up to 60%–65% LTV
Loan Amounts: $100,000 – $2,000,000
Cash-Out Refinance
Up to 60% LTV
Loan Amounts: $100,000 – $2,000,000
Business purpose only.

All loans subject to appraisal and underwriting review.

Available Loan Terms

Built for BRRRR exits, stabilization, bridge-to-rent transitions, and portfolio scaling.

Term OptionStructure
18 MonthInterest-Only
2-YearInterest-Only
3-YearInterest-Only
30-YearFixed • Due in 5 Years
Ideal for
BRRRR exits • Stabilization periods • Bridge-to-rent transitions • Portfolio scaling

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
Great for scaling efficiently without multiple closings.

Subject to underwriting, appraisal, and overall risk review.

What Drives Approval?

As-Is Appraised Value
Current, supportable value of the subject property.
Rental Income & DSCR
Performance of rents relative to PITI (case-by-case).
Risk & Condition
Marketability, quality, and condition of the property.

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)
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Typical Turn Times

StageAverage Time
Initial Review1–2 Business Days
Conditions Review1–2 Business Days
Clear to Close1 Business Day
Loan DocsScheduled 1–2 Business Days After CTC

California markets move quickly — so do we.

Built for California Investors

We lend only in California and understand the timelines, values, and investor strategy that matter here.

BakersfieldKern CountyCentral ValleyCentral CoastLos AngelesInland EmpireStatewide California

All loans are subject to the marketability, quality & condition of the subject property.

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.

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Accelerated Investment Group
Company NMLS: 2633929 • DRE# 02241664
5330 Office Centre Ct, Ste 49, Bakersfield, CA 93309
© 2026 Accelerated Investment Group. All rights reserved.

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Accelerated Express DSCR • CA Rentals • 1–4 Units
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