DSCR Loans in Los Angeles County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 376 lenders made 12,364 investment-property loans in Los Angeles County, 22.7% of California's total. Dominick Prevete arranges DSCR loans across Los Angeles County, California, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $580,000.
Los Angeles County investor market at a glance
| Statistic | Los Angeles County | California | County rank |
|---|---|---|---|
| Investor loans | 12,364 | 54,410 | 1st of 39 |
| Reporting lenders | 376 | 630 | 1st of 39 |
| Loan volume | $10.81B | $37.12B | 1st of 39 |
| Average loan | $874K | $682K | 7th of 39 |
| Median loan | $630K | $485K | 6th of 39 |
| Purchases | 44.3% | 51.1% | 34th of 39 |
| Cash-out refinances | 31.9% | 25.6% | 6th of 39 |
| 2–4 unit properties | 26.2% | 16.6% | 2nd of 39 |
| Top five lenders' share | 22.1% | 23.2% | 38th of 39 |
| Reported business-purpose | 73.5% | 71.2% | 10th of 39 |
Los Angeles County: closed-end loans on 1–4 unit investment properties. Los Angeles County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Los Angeles County's investor loans.
What stands out in Los Angeles County
26.2% of Los Angeles County's investor loans financed a 2–4 unit property, the 2nd-highest share of California's 39 counties with published data (statewide: 16.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The five most active lenders wrote 22.1% of Los Angeles County's investor loans, the 2nd-lowest share of California's 39 counties with published data (statewide: 23.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
44.3% of Los Angeles County's investor loans were purchases, the 6th-lowest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Los Angeles County?
At HUD's fair market rent of $3,760 for a 3-bedroom in Los Angeles County, California, a rental covers its full DSCR payment up to a purchase price of about $580,000, with 20% down at the 7.25% starting rate (November 2026). Los Angeles County's median home value is $834,200; at that price the payment is $5,373 a month, so the property would need $5,375 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,964 / $3,760 / $4,208 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $834,200 |
| Median property taxes and effective rate | $5,675 (0.68% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,373 |
| Rent needed to cover that payment | $5,375 |
| Coverage of a 3-bedroom at fair market rent | 0.70 |
| Highest price a 3-bedroom at fair market rent covers | about $580,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $920,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Los Angeles County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Los Angeles County?
The most active investment-property lenders in Los Angeles County in 2025 HMDA data were Kiavi Funding, Inc.; OCMBC, INC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 376 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Los Angeles County, and matches each file to the one most likely to fund it.
Los Angeles County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 12,364 loans and $10.81B from 376 lenders. Kiavi Funding, Inc. led Los Angeles County with 752 loans, 6.1% of the county's total, and the average Los Angeles County loan of $874K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 752 | $641.8M | $853K | 92.2% |
| OCMBC, INC. | 646 | $388.8M | $602K | 28.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 563 | $345.8M | $614K | 33.9% |
| Rocket Mortgage, LLC | 387 | $224.0M | $579K | 41.3% |
| CAKE MORTGAGE CORP. | 383 | $324.3M | $847K | 30.3% |
| THE LOAN STORE, INC. | 337 | $227.5M | $675K | 38.9% |
| Genesis Capital, LLC | 311 | $861.0M | $2768K | 60.1% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 295 | $240.4M | $815K | 89.8% |
| East West Bank | 241 | $193.5M | $803K | 58.1% |
| AMWEST FUNDING CORP. | 230 | $138.3M | $601K | 30.9% |
| JPMorgan Chase Bank, National Association | 212 | $164.1M | $774K | 43.9% |
| Hometown Equity Mortgage, LLC | 196 | $144.4M | $737K | 31.1% |
| Citadel Servicing Corporation | 186 | $154.8M | $832K | 41.4% |
| ROYAL PACIFIC FUNDING CORP. | 186 | $120.2M | $646K | 35.5% |
| AAA CAPITAL INVESTMENT, INC. | 181 | $115.5M | $638K | 33.1% |
| Commerce Home Mortgage, Inc. | 176 | $185.4M | $1054K | 39.2% |
| HOMEXPRESS MORTGAGE CORP. | 172 | $118.9M | $692K | 20.3% |
| U.S. Bank National Association | 170 | $139.4M | $820K | 43.5% |
| PENNYMAC LOAN SERVICES, LLC | 167 | $121.2M | $725K | 58.1% |
| CHAMPIONS FUNDING, LLC | 156 | $116.9M | $749K | 35.3% |
| Easy Street Capital, LLC | 154 | $101.8M | $661K | 0.0% |
| NEW WAVE LENDING GROUP INC | 153 | $102.6M | $671K | 51.0% |
| VISTA POINT MORTGAGE, LLC | 153 | $85.9M | $561K | 20.9% |
| CONVENTUS LLC | 150 | $189.9M | $1266K | 72.0% |
| AMERITRUST MORTGAGE CORPORATION | 139 | $125.3M | $902K | 29.5% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Los Angeles County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Los Angeles County CSV, all 25 lenders
What Los Angeles County's table can't show you: fit. Short-term financing is exempt from HMDA, so Los Angeles County's fix-and-flip and bridge lenders barely appear among its 376 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Los Angeles County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Los Angeles County, California property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Los Angeles County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 376 lenders and 12,364 loans: 2025 HMDA loan-level data rolled up to Los Angeles County.
- Los Angeles County investor-lender dataset (CSV) — All 25 lenders in the Los Angeles County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Los Angeles County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Los Angeles County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.