DSCR Loans in Bakersfield, CA
Find lenders offering dscr loans in the Bakersfield, including Delano, Wasco, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
Which DSCR lenders serve Bakersfield?
43 lenders offering dscr loans in the Bakersfield, CA area.
Civic Financial Services
LocalRedondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
LocalIrvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
Griffin Funding
LocalCA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
LocalCA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
LocalSan Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Truss Financial Group
LocalCA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Velocity Mortgage Capital
LocalWestlake Village, CA
Small balance commercial mortgage lender. DSCR and business purpose loans for 1-4 unit investment properties and small commercial properties.
Acra Lending
LocalCA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Newfi Wholesale
LocalEmeryville, CA
Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.
HomeXpress Mortgage
LocalCA
Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.
Oaktree Funding
LocalCA
Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.
Kind Lending
LocalSanta Ana, CA
Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.
Change Lending
LocalCA
Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
What does the Bakersfield commercial real estate market look like?
Bakersfield's CRE market is uniquely tied to California's oil and gas industry, with Kern County producing roughly 70% of the state's crude oil output, supporting a network of industrial service companies and related office demand. The Rosedale Highway corridor in northwest Bakersfield is the primary commercial growth area with newer retail and office developments, while the Ming Avenue corridor and the California Avenue district near Bakersfield College serve as established commercial nodes. Industrial demand extends along Highway 99 and Lerdo Highway, where food processing, agriculture logistics, and energy services converge. The metro has attracted growing attention from logistics operators seeking affordable alternatives to the congested Inland Empire market.
Key Economic Drivers
- ●Kern County oil and gas production and energy services companies (Chevron, Berry Petroleum)
- ●Agricultural shipping, cold storage, and food processing (Grimmway Farms, Bolthouse Farms)
- ●Meadows Field Airport and Highway 99 logistics corridor
- ●Kern Medical Center and Adventist Health Bakersfield hospital campuses
Market Insight
Bakersfield offers some of the lowest commercial land costs among California metros, with industrial land pricing at a fraction of Inland Empire rates, making it increasingly attractive for build-to-suit distribution and food processing facilities.
How do dscr loans work in Bakersfield, California?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Bakersfield metro area, borrowers can access 43 lenders offering DSCR financing, including Delano, Wasco, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Bakersfield FAQ
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