Real Estate Investor Loan Specialists

DSCR Loans — No Tax Returns or Income Docs Required

We qualify your loan on rental income, not your tax returns or W-2s. Get pre-qualified in as little as 3 minutes, close in as few as 14 days. Serving real estate investors throughout San Diego and Orange County.

Yes, I'd like to see my loan options →
Investor-Focused. Not Bank-Restricted.
$300M+ Closed Volume
Licensed Broker Since 2007
Trusted by Investors

Is This Right For You?

Who This Financing Works For

Our Real Estate Investor Loans are designed for you.

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Single-Family Rental Owners 1–4 unit residential investment properties — the most common DSCR scenario.
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Cash-Out Refinancers Pull equity from an existing investment property — no income verification needed.
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Small Apartment & Multifamily Owners Properties up to 8 units qualify — we lend where conventional loans stop.
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Self-Employed & Business Owners No W-2s or tax returns required — your rental income does the qualifying.
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LLC & Trust Investors Close in your entity name — no need to take title personally.
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Portfolio Builders Financing multiple properties? DSCR lets you scale without income doc headaches.
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Short-Term Rental Hosts Airbnb, VRBO, and vacation rental properties — we use STR income to qualify.
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1031 Exchange Buyers Closing on a replacement property under time pressure — we move fast.

What We Offer

Simple Loan Programs That Actually Close

Competitive rates and flexible structures designed for real estate investors.

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Easy Qualification

No tax returns.  No W-2s.

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Loan-to-Value

Up to 85% LTV on purchase · Up to 75% LTV on refinance

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Loan Amounts

$100,000 minimum · Up to $6,000,000

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DSCR Flexibility

Sub-1.0 DSCR eligible — qualify even when rents don't cover the payment

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LLC & Entity Closing

Close in your LLC or trust — no problem

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Short Term Rentals OK

We can use short-term rental income to qualify

Simple Process

3 Steps to Get Your Loan Funded

We've streamlined the process so you can focus on your next investment, not chasing paperwork.

1

Quick Pre-Qualification

Complete our 3-minute online form — no credit pull, no documents, no obligation.

2

Loan Approval

We review the property's rental income and issue a term sheet, typically within 24–48 hours.

3

Fast Close

We fund in as few as 14 days, whether purchase, refinance,
or cash-out.

Yes! I'd like to check my loan options →

In Their Own Words

Trusted by Real Estate Investors

See how experienced investors get real results with Ocean View Capital.

★★★★★
Robert M.
Verified Borrower · Palm Desert, CA

I've worked with a lot of lenders on investment properties over the years. My DSCR refi closed in 15 days — and Mike kept me informed every step of the way. No chasing, no wondering, no surprises at closing.

★★★★★
John S.
Verified Borrower · Los Angeles, CA

I had a rental portfolio with some tricky numbers that two other lenders walked away from. Mike didn't just find a solution — he explained exactly what he was doing and why, every step of the way. I always knew where my loan stood. I really appreciated being kept in the loop.

★★★★★
David T.
Verified Borrower · San Diego, CA (La Jolla)

I needed to pull equity from an investment property to move on another acquisition before the window closed. Mike introduced me to a DSCR second trust deed — I didn't even know that was a thing. It was the perfect solution, and he closed it fast despite a title issue that came up mid-process. He worked my deal like it was his own.

Unlock My Loan Options →

Yes! I'd like to check out my loan options

Once you've submitted your contact information, you can either receive immediate feedback on your likely loan terms or speak with a Specialist.

No credit pull. No obligation.

Common Questions

Frequently Asked Questions

A DSCR loan qualifies based on the rental income a property generates — not your personal income or tax returns. It's a simpler path to financing that cuts through the paperwork maze of conventional lending.
DSCR loans are a natural fit for self-employed professionals, active landlords, and real estate investors. They're also popular with property owners looking to quickly access their equity.
Yes. DSCR financing is available for purchases, rate-and-term refinances, and cash-out refinances. Whether you're acquiring your next property or pulling equity from an existing one, we can help.
No — and that's the real benefit of a DSCR loan. There is no income verification of any kind. We underwrite on the property's rental income, not your personal financial situation. No tax returns, no W-2s, no pay stubs, no income verification.
We work with a range of credit profiles. Most scenarios require a minimum 620 FICO, with better pricing available at 680 and above. If your score falls in a gray area, let's talk — there's often more flexibility than borrowers expect.
We offer DSCR loans from $100,000 up to $6,000,000. The right loan amount depends on the property value and rental income. We fund first mortgages, second trust deeds and even portfolios.
Our streamlined process allows us to approve and fund your loan in as little as 14 days. You can complete everything online from your computer — no branch visits, no fax machines, no unnecessary delays.
Yes. Our DSCR programs allow closing in an LLC, corporation, or trust — a critical feature for investors managing assets for liability protection and estate planning.
A sub-1.0 DSCR means the rental income doesn't fully cover the proposed payment — but it doesn't mean we can't fund your loan. We have programs specifically designed for these scenarios. Contact us to run the numbers on your specific situation.
Short-term rental properties are eligible. We use projected or actual STR income — sourced from platforms like Airbnb and Vrbo or market data — to qualify the loan. If you're financing a vacation rental or an Airbnb-style property, we have the right program for it.