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 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.

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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 Jose

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

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.