JCJayson Cain

Articles

Straight answers to the questions I get on calls

Each one starts with the short answer, then the detail and sources. Written for LA investors and self-employed borrowers.

Investor questions · Oct 4, 2026

Can I use Airbnb income for a DSCR loan in Los Angeles?

Some lenders will count it. But in the City of LA, most investment properties can't legally run as an Airbnb. Here's what to check first.

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Comparison · Los Angeles · Oct 4, 2026

DSCR vs. conventional loans for LA rental properties

Side by side, plus why LA prices and rent control change the math.

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Comparison · Nationwide · Oct 4, 2026

DSCR vs. conventional loans for rental property: which fits?

How each loan qualifies you, the 10-property limit, LLCs and prepayment penalties.

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Comparison · Self-employed

Bank statement loan vs. tax returns: which shows more income?

Write-offs lower your tax-return income. Here's how deposits compare.

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Investor questions

Buying a rental in an LLC: what lenders actually need

Which loans allow an LLC and the documents lenders ask for.

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Everyone

Got a Loan Estimate? The 5 lines to check first

The five places to look first when you compare quotes.

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