Houtan HormozianExpert on Real Estate, Finance and PropTech

Hard Money Loan vs. DSCR Loan | Which Is Better for Los Angeles Real Estate Investors?

9 Jul 2026 · 1 min

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This content was created by Houtan Hormozian. This content was uploaded by Houtan Hormozian. This is a YouTube video titled "Hard Money Loan vs. DSCR Loan | Which Is Better for Los Angeles Real Estate Investors?" (uploaded July 9, 2026). The excerpt is a short spoken segment by a single presenter explaining the differences between DSCR loans (approved based on a property's income covering mortgage and expenses, ~30-day close) and hard money loans (approved based on property value/equity, typically faster and more flexible), aimed at real estate investors with a call to action to get in touch for financing.

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A lot of people ask about the difference between a hard money loan and a DSCR loan. The biggest difference is how the loan gets approved and how quickly you can get the money. With a DSCR loan, the lender usually looks at the property's income and whether that income can cover the mortgage and expenses. The process can take around 30 days to close. A hard money loan is different. The focus is mainly on the property's value and available equity. For example, if a property is worth $500,000 and someone needs $300,000 quickly, the loan can often be approved based on the equity in the property. Since there's a significant amount of equity protecting the investment, the process is usually much faster and more flexible. Reach out today and let's find the right loan for your next investment.