San Diego DSCR Long-Term Rental Lenders
Are you seeking long-term private financing for a residential rental property in San Diego? 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 San Diego’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors 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 minimum credit score is 680 for most lenders. The loan terms range from 5 to 30 years.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
ZINC Financial
Direct Lender for Real Estate Investors. Established in 2006.
Nationwide Mortgage - California
Bridge, Rehab, Construction, & Rental
Griffin Funding
DSCR Long-Term Rental Loans for Residential Investment Properties
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Center Street Lending
Smarter Loans for Residential Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Kiavi
Servicing 12,000+ Real Estate Investors Across the Country
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
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 2nd quarter of 2024 was 7.90%. The average loan amount was $562,428. These stats are the average of 129 loans funded for residential rental properties in California between April 1, 2024 and June 30, 2024 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
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
