Qualify on the rent,not your tax returns.
DSCR loans for rental property from a California brokerage led by 23+ years of lending experience.
Call or text(949) 774-9599See if your property qualifies
Loan programs
Specialized programs for investors, the self-employed, homebuyers, veterans and homeowners. Our team compares programs and lenders for you.
Shaun R. Lallani
Founder and Principal Loan Officer
NMLS ID #2711575
A boutique team, from first call to keys.
“My promise to you is simple: honest guidance, clear options, and a mortgage experience that feels personal from the first call to the day you get your keys.”
American Bay Financial is a boutique mortgage brokerage in Aliso Viejo, founded and led by Shaun R. Lallani. The team combines traditional agency lending with Non-QM programs, bank statement and DSCR, so investors and self-employed borrowers get the same personal attention as first-time buyers.
Boutique and personal
No call centre. A dedicated team, led by Shaun, learns your goals and fights for your best outcome.
Transparent options
Side-by-side options, payment estimates and total costs, with no jargon and no surprises.
Speed without shortcuts
Streamlined documents, quick replies and milestone updates keep your loan moving.
How DSCR works
A DSCR loan looks at whether the property pays for itself. Divide the rent left after expenses by the monthly payment. Above 1.0, the property covers its debt, and higher ratios typically earn better terms.
Debt service coverage ratio
1.25
Strong cash flow
Ratios of 1.20 and above typically earn the best terms.
Try your property
Lease or market rent.
Taxes, insurance and HOA.
Principal and interest on the new loan.
An estimate for illustration only, not a loan offer. Lenders calculate DSCR from the appraisal's rent schedule and the final loan terms.
Check my DSCR optionsHow it works.
- 1.
Discovery call or quick form
Tell us your property, timeline and goals.
- 2.
Precise options
We compare programs and lenders for the right fit.
- 3.
Lock and milestones
Clear steps from application to clear-to-close.
- 4.
Close confidently
Close on the home, or your next rental.
In their own words.
Six clients, from Irvine to San Clemente.
“Shaun made our first home purchase incredibly smooth. His expertise with FHA loans saved us thousands and his communication was outstanding throughout the entire process.”
Your boutique mortgage partner in California
American Bay Financial offers truly personalized service in a competitive market. Unlike large lending institutions where you are just another number, you work with an experienced team that understands California's diverse real estate market.
Whether you are a first-time homebuyer navigating FHA requirements, a self-employed entrepreneur exploring bank statement loans, or an investor building a portfolio with DSCR financing, we guide you to the right solution, with clear explanations, detailed cost breakdowns and regular updates from application through closing.