DSCR lenders for short-term rentals in California

8 lenders say they lend in California. Another 18 finance STRs but don't publish a state list, so confirm with them. Data checked 2026-10-18.

Lenders that list California in their coverage

8 lenders

Lender	STR income counted from	Min credit	Min DSCR	<1.0 / no-ratio	Max LTV purchase	Max LTV cash-out	Min loan	First-time investor	Serves CA?
Acra Lending Wholesale	12-month history	640	n/p	n/p	75%	70%	$100K	n/p	Yes
America Mortgages Direct lender and broker (150+ lenders)	Either	n/p	n/p	n/p	n/p	n/p	n/p	n/p	Yes
Defy Mortgage Direct lender	Either	640	0.75	<1.0 OK	n/p	n/p	$75K	Yes	Yes
Dominion Financial Direct lender	Not published	680	n/p	n/p	80%	75%	n/p	n/p	Yes
Easy Street Capital Direct lender	Either	640	n/p	n/p	80%	75%	$100K	Yes	Yes
Griffin Funding Direct lender (consumer-direct)	Projection	620	n/p	<1.0 OK · No-ratio	85%	80%	$100K	n/p	Yes
New Silver Direct lender	Either	660	1.15	No	80%	n/p	$150K	Yes	Yes
Quickline Capital Lender	Projection	660	0.75	<1.0 OK	80%	75%	$100K	Yes	Yes

n/p = not published on the lender's pages we checked. We leave it blank rather than guess. LTV values are the lender's stated maximums, which usually need top credit. STR programs often have stricter limits.

STR-friendly lenders that don't itemize states

These lenders finance short-term rentals but their pages don't list every state they serve. Ask before you apply.

18 lenders

Lender	STR income counted from	Min credit	Min DSCR	<1.0 / no-ratio	Max LTV purchase	Max LTV cash-out	Min loan	First-time investor	Serves CA?
1st Nationwide Mortgage Mortgage company	Either	640	1.00	n/p	80%	75%	$100K	n/p	Not itemized
A&D Mortgage Wholesale / correspondent	Not published	620	n/p	<1.0 OK	80%	n/p	n/p	Yes	Not itemized
Angel Oak Mortgage Solutions Wholesale (via approved mortgage professionals)	Projection	680	n/p	<1.0 OK · No-ratio	85%	n/p	$100K	n/p	Not itemized
Certain Lending Direct lender	Either	700	n/p	n/p	75%	70%	$150K	n/p	Not itemized
CoreVest Finance Direct lender	Not published	n/p	n/p	n/p	70%	n/p	$500K	No	Not itemized
Easy Lending USA Lender/broker	Either	680	1.00	No	85%	75%	n/p	n/p	Not itemized
Kiavi Direct lender	Not published	n/p	0.80	<1.0 OK	n/p	n/p	n/p	Yes	Not itemized
LendingOne Direct lender	Not published	n/p	0.75	<1.0 OK	80%	75%	$85K	n/p	Not itemized
Lendmire Mortgage brokerage	Either	620	1.00	n/p	75%	n/p	n/p	n/p	Not itemized
LendSure Mortgage Wholesale	Either	660	0.75	<1.0 OK · No-ratio	85%	75%	n/p	n/p	Not itemized
Lima One Capital Direct lender	Projection	700	1.30	No	75%	70%	n/p	n/p	Not itemized
Logan Finance Wholesale / correspondent	12-month history	700	1.00	No	70%	70%	$150K	No	Not itemized
Newfi Wholesale Wholesale	Not published	n/p	1.00	n/p	80%	n/p	n/p	Yes	Not itemized
NQM Funding Wholesale	Not published	640	n/p	n/p	n/p	n/p	n/p	Yes	Not itemized
theLender Direct and broker	Projection	n/p	n/p	<1.0 OK	85%	75%	$100K	n/p	Not itemized
Truss Financial Group Lender/broker	Not published	620	n/p	n/p	n/p	n/p	$100K	n/p	Not itemized
Uncapco Financial Lender	Either	660	n/p	n/p	80%	75%	$100K	n/p	Not itemized
Visio Lending Direct lender	Either	680	n/p	n/p	85%	n/p	$75K	n/p	Not itemized

Before you finance an STR in California

Lenders generally fund short-term rentals only where they are legal. Some, like Logan Finance, run a compliance report to confirm STRs are allowed in the state, city and county. Check local permit and zoning rules for your city before you go under contract. Then compare how each lender counts STR income: a projection-based lender can qualify a purchase with no booking history, while a history-only lender will use long-term market rent until you have 12 months of bookings.

Check a California deal in the DSCR calculator →

Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.