Buying a rental in California. The rent has to pencil.
1–4 rentals: DSCR or conventional investment. Five-plus, NNN, and sale assignments: Williams Capital Advisors. I will not put a fourplex on a commercial pitch or a warehouse on a DSCR sheet.
- DSCR when the property's rent carries PITIA.
- Conventional investment when your income still qualifies the file.
- Fix-and-flip is private money, not a 30-year rental.
Investor hubDSCR calculatorCRE / 5+
- Can I close a rental with no personal income?
- That is the DSCR question — overlay at lock, occupancy must be investment. Not an approval on this page.
Not an approval. Not a rate. Overlay at lock. NMLS #1858674.