DSCR Loans in Fresno, CA
Find lenders offering dscr loans in the Fresno, including Clovis, Madera, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
Which DSCR lenders serve Fresno?
43 lenders offering dscr loans in the Fresno, 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 Fresno commercial real estate market look like?
Fresno is the commercial hub of California's San Joaquin Valley, the world's most productive agricultural region, and its CRE market reflects the interplay of agribusiness, healthcare, and a growing logistics sector. The Shaw Avenue corridor in north Fresno and the River Park development are the metro's primary retail and office nodes, while agricultural cold storage and food processing facilities concentrate along the Highway 99 and Golden State Boulevard corridors. Downtown Fresno has seen incremental revitalization through Opportunity Zone investment and the Fulton Street pedestrian mall reopening to vehicle traffic. The planned California High-Speed Rail station in downtown could catalyze significant transit-oriented development, though timeline uncertainty remains.
Key Economic Drivers
- ●Agribusiness headquarters and food processing operations (Sun-Maid, Producers Dairy)
- ●Community Regional Medical Center and Saint Agnes Medical Center health systems
- ●California State University, Fresno campus and workforce development programs
- ●Amazon and cold chain logistics operations along the Highway 99 corridor
Market Insight
Fresno has positioned itself as a value alternative for Central Valley distribution, with industrial lease rates running roughly one-third of Inland Empire pricing, attracting e-commerce and food logistics tenants seeking access to Northern and Central California markets.
How do dscr loans work in Fresno, 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 Fresno metro area, borrowers can access 43 lenders offering DSCR financing, including Clovis, Madera, 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 Fresno FAQ
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