Luxury Real Estate & DSCR Lending
Financing That Matches
Your Ambition
A team under Equity Smart Home Loans Inc. delivering tailored DSCR loans and luxury property financing for discerning investors across California.
DSCR Loan Programs
Invest Smarter with DSCR Loans
Debt Service Coverage Ratio loans let you qualify based on the property's rental income — not your personal W-2 or tax returns. Ideal for real estate investors building portfolios.
No Income Verification
Qualify based on the property's cash flow, not your personal income or employment history.
Investment Properties
Finance single-family, multi-family, condos, and short-term rentals across California.
Fast Closings
Streamlined process designed for speed. Close in as few as 21 days with our dedicated team.
Flexible Terms
30-year fixed and adjustable-rate options. Interest-only periods available. LTV up to 80%.
DSCR Calculator
Estimate Your DSCR
Enter the property's rental income and estimated expenses to see your Debt Service Coverage Ratio. A DSCR of 1.00 or above typically qualifies for financing.
Property & Loan
Monthly Income
Monthly Expenses
For estimation purposes only. Actual rates, terms, and qualification depend on lender review. Contact us for a personalized quote.
How It Works
Your Path to Funding
Initial Consultation
Share your investment goals and property details. We'll identify the best loan structure for your portfolio.
Property Analysis
We evaluate the property's rental income potential and calculate your DSCR to determine eligibility.
Approval & Closing
Receive your pre-approval within 24 hours. Our streamlined process gets you to closing fast.
How It Works
Your Process, Simplified
Watch our short guides to understand each step of working with Diamond Moon Capital.
DSCR Qualification
How you qualify based on property cash flow, not personal income.
How to Apply
Submit your application and get pre-approved within 24 hours.
Property Analysis
We evaluate rental income potential and calculate your DSCR.
Closing Day
Finalize your deal and get the keys to your investment property.
About Us
Built on Expertise,
Driven by Results
Diamond Moon Capital is a team name operating under Equity Smart Home Loans Inc., specializing in luxury real estate financing and DSCR loans for sophisticated investors. We combine decades of industry expertise with personalized service to deliver financing solutions that match the scale of your ambitions.
Led by Ruben Diaz-Ramirez, a California-licensed real estate professional (NMLS #2010028 | CA DRE #02109362), under the supervision of responsible broker Pablo Martinez (CA DRE #01377927), we understand the unique needs of high-value property investors. Whether you're acquiring your first investment property or expanding a multi-million dollar portfolio, we provide the capital and guidance to make it happen.
Get In Touch
Ready to Invest?
Whether you're exploring DSCR loans for the first time or looking to scale your portfolio, we're here to help. Reach out and let's discuss your next investment.
Prefer to reach us directly?
ruben@diamondmooncapital.comSchedule a Call
Book a Free Consultation
Pick a time that works for you. We'll discuss your investment goals and find the right financing solution.