What is a good DSCR ratio?

Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.

Can I get a DSCR loan with no money down?

No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.

Do DSCR loans show on my credit report?

It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

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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.

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Lenders

Typical Rate

7.0% - 9.5%

Down Payment

20-25%

Term

30 years

Closing Time

2-4 weeks

DSCR Lenders Serving Bakersfield

43 lenders offering dscr loans in the Bakersfield, CA area.

Civic Financial Services

Local

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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CoreVest Finance

Local

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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Griffin Funding

Local

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.

$100K – $5M

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JMAC Lending

Local

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

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Kiavi

Local

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

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Truss Financial Group

Local

Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.

$100K – $3M

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Velocity Mortgage Capital

Local

Westlake Village, CA

Small balance commercial mortgage lender. DSCR and business purpose loans for 1-4 unit investment properties and small commercial properties.

$100K – $5M

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Acra Lending

Local

Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.

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Newfi Wholesale

Local

Emeryville, CA

Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.

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HomeXpress Mortgage

Local

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.

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Oaktree Funding

Local

Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.

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Kind Lending

Local

Santa 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.

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Change Lending

Local

Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.

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A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

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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.

$100K – $2M

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Bakersfield Commercial Real Estate Market

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.