Morro Bay DSCR Loans for Rental Property
Are you seeking long-term private financing for a residential rental property in Morro Bay, CA? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). For a purchase, investors typically need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Griffin Funding
Private Money Lender - Get the financing you need
Dunmor
Do More With Dunmor
RCN Capital
Wholesale Lender for Residential Fix & Flip, Long-Term Rental, New Construction, & Bridge Loans
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Center Street Lending
Smarter Loans for Residential Investors
Top 11 California DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in California, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout California from July 2025 to September 2025.
- American Heritage Lending funded over $27,133,541
- Visio Lending funded over $12,514,975
- Diya Finance funded over $6,576,349
- Conventus funded over $6,446,039
- CV3 Financial Services funded over $6,311,140
- Renovo Financial funded over $4,697,770
- Legions Capital Inc (LoanGuys) funded over $4,206,950
- Constructive Capital funded over $3,602,632
- Easy Street Capital funded over $2,973,025
- Certain Lending funded over $1,926,485
- Archwest Capital funded over $1,847,762
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
California DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for California DSCR long-term rental loans in the 1st quarter of 2026 was 6.93%. The average loan amount was $592,195. These stats are the average of 498 loans funded for residential rental properties in California between January 1, 2026 and March 31, 2026 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
California DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in California which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $84,044,902 of DSCR rental loans were funded in the 3rd quarter of 2025 for 113 borrowers.
- Approximately $150,653,467 of DSCR rental loans were funded in the 2nd quarter of 2025 for 181 borrowers.
- Approximately $120,380,680 of DSCR rental loans were funded in the 1st quarter of 2025 for 165 borrowers.
Below are the approximate DSCR loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2025 Q4: $- for - borrowers
- 2025 Q2: $1,562,760 for 4 borrowers
Fresno, CA
- 2025 Q4: $- for - borrowers
- 2025 Q2: $1,589,000 for 8 borrowers
- 2025 Q1: $4,063,200 for 11 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $25,637,121 for 28 borrowers
- 2025 Q2: $51,678,350 for 47 borrowers
- 2025 Q1: $40,939,587 for 42 borrowers
Riverside-San Bernardino-Ontario, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $3,411,408 for 6 borrowers
- 2025 Q2: $15,015,600 for 24 borrowers
- 2025 Q1: $7,318,690 for 7 borrowers
Sacramento-Roseville-Folsom, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $2,840,200 for 4 borrowers
- 2025 Q2: $2,947,405 for 6 borrowers
- 2025 Q1: $2,636,737 for 11 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $506,000 for 2 borrowers
- 2025 Q2: $24,089,280 for 19 borrowers
- 2025 Q1: $11,129,944 for 12 borrowers
San Francisco-Oakland-Fremont, CA
- 2025 Q4: $- for - borrowers
- 2025 Q1: $4,126,200 for 4 borrowers
Stockton-Lodi, CA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $819,104 for 2 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Select a Metro Area
California is a large state, and some lenders are selective about where they lend. Filter your search by selecting a metro area:
Northern California: SF Bay Area | Sacramento | Lake Tahoe
Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara
Central California: Central Valley | Bakersfield | Fresno
