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 San Diego, CA

Find lenders offering dscr loans in the San Diego, including Chula Vista, Carlsbad, Oceanside, 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 San Diego

43 lenders offering dscr loans in the San Diego, 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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San Diego Commercial Real Estate Market

San Diego's CRE market is distinguished by its concentration of life sciences and defense sector tenants, with the Torrey Pines/UTC corridor housing one of the nation's densest biotech clusters alongside major institutions like Scripps Research, Salk Institute, and UC San Diego. The Sorrento Valley and Kearny Mesa submarkets serve as the region's primary life sciences and tech office nodes, while the Otay Mesa border crossing area supports cross-border logistics and manufacturing operations with Tijuana. Downtown San Diego's East Village and Little Italy neighborhoods have densified with mixed-use and multifamily projects. The Carlsbad and Oceanside coastal submarkets attract lifestyle-oriented office tenants and have seen growing interest from defense technology firms.

Key Economic Drivers

●Biotech and life sciences corridor (Illumina, Dexcom, Neurocrine Biosciences) in Torrey Pines/UTC
●Naval Base San Diego, Marine Corps Air Station Miramar, and defense contractor presence
●UC San Diego research campus and Scripps Research/Salk Institute complex
●Cross-border manufacturing and logistics with Tijuana via Otay Mesa

Market Insight

San Diego's life sciences sector commands among the highest lab space rents in the country, and purpose-built lab and R&D facilities in the Torrey Pines corridor routinely achieve lease rates 40-60% above conventional office space in the same submarket.