Current Market Rates — Starting from 5.99%

DSCR loan programs now feature rates starting from 5.99%, a major win for investors looking to maximize return in 2025.

At Elixir Mortgage Lending, we work with both national and private lending partners to secure competitive DSCR loan rates tailored to each investor's goals and property profile.

✅ Rates starting at 5.99% (as of Q4 2025)
✅ Available for short-term and long-term rentals
✅ Eligible in over 40 states - including all of California and Florida
✅ Loans up to 80% LTV

🧭 Why Investors Choose DSCR Loans

Whether you're building a rental portfolio or funding your next Airbnb, a DSCR loan makes it easier to keep investing - even when traditional lenders say no.

Here's why it's a favorite among San Diego investors 👇

1️⃣ No Tax Returns or W-2s

You qualify using rental income, not personal income. Perfect for self-employed investors or those with complex tax returns.

2️⃣ Fast Closings

No long underwriting delays. Many San Diego DSCR loans close in as little as 2 - 3 weeks.

3️⃣ Flexibility Across Property Types

Use DSCR loans for:

• Long-term rentals

• Short-term vacation properties (Airbnb, VRBO)

  Verify my mortgage eligibility (Nov 13th, 2025)

• Multi-unit or mixed-use properties

4️⃣ Refinance or Expand Easily

Refinance to pull equity for future investments - or use the same DSCR structure to scale into your next deal.

5️⃣ Nationwide Coverage

Elixir Mortgage Lending proudly offers DSCR investment property loans nationwide, with strong local expertise in San Diego, CA - from Pacific Beach to La Jolla and beyond.

🏗️ How It Works - Step by Step

Here's the simple path to financing your next investment property with a DSCR loan:

Step 1: Property Review

We evaluate the rental income, market rent potential, and expenses to calculate your DSCR ratio.

Step 2: Pre-Approval

Quick, no-income documentation pre-approval lets you shop for properties confidently.

Step 3: Appraisal & Underwriting

Our investor-friendly lenders focus on property cash flow, not personal tax documentation.

Step 4: Closing

Once approved, you can close quickly and begin earning - all while keeping your personal financials private.

🌟 DSCR Loan Benefits for San Diego Investors

🔑 The Elixir Advantage

At Elixir Mortgage Lending, we specialize in helping San Diego real estate investors achieve growth through smart financing - not rigid bank rules.

Our expertise includes:

• DSCR Loans San Diego

• Hard Money Loans for Real Estate San Diego

  Verify my mortgage eligibility (Nov 13th, 2025)

• Bridge Loans San Diego

• Investment Property Loans San Diego

We understand your goals and structure financing that helps you achieve them - quickly and creatively.

📞 Let's Grow Your Investment Portfolio

Whether you're ready to buy or refinance, our DSCR and investment loan programs are built to keep your deals moving forward.

📍 Serving San Diego, CA and Nationwide Investors
📞 800.558.0496
🌐 ElixirMortgageLending.com
NMLS #1704105 | BRE #01901050