DSCR Loans in San Jose, CA
Find lenders offering dscr loans in the San Jose, including Sunnyvale, Santa Clara, Milpitas, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
Which DSCR lenders serve San Jose?
43 lenders offering dscr loans in the San Jose, 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 San Jose commercial real estate market look like?
San Jose sits at the heart of Silicon Valley and anchors one of the world's most valuable CRE markets, with office and R&D rents among the highest in the nation. The North San Jose submarket along Highway 237 has evolved from industrial to a major tech campus zone, while downtown San Jose is undergoing transformation led by Google's planned Downtown West mixed-use mega-project near Diridon Station. The Santa Clara submarket houses major campuses for Intel, Nvidia, and Applied Materials, and the Milpitas and Fremont areas have become hotbeds for advanced manufacturing and clean energy firms. Despite cyclical tech layoffs, the market's deep pool of engineering talent and proximity to venture capital sustain long-term demand.
Key Economic Drivers
- ●Google's Downtown West mixed-use development near Diridon Station
- ●Apple Park in Cupertino and its massive employee base and supplier network
- ●Nvidia, Adobe, and Cisco Systems headquarters campuses
- ●Mineta San Jose International Airport expansion and BART Silicon Valley extension
Market Insight
Google's planned Downtown West project near San Jose's Diridon Station is approved for up to 7.3 million square feet of office space alongside housing and retail, positioning the surrounding area for significant CRE value appreciation as the transit-oriented development takes shape.
How do dscr loans work in San Jose, 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 San Jose metro area, borrowers can access 43 lenders offering DSCR financing, including Sunnyvale, Santa Clara, Milpitas, 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 San Jose FAQ
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