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
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Dunmor
Do More With Dunmor
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Griffin Funding
Private Money Lender - Get the financing you need
Certain Lending
The Mortgage Company Built for Real Estate Investors
Center Street Lending
Smarter Loans for Residential Investors
Nationwide Mortgage - Rental Property Loans
DSCR 30-year Loans for Rental Properties Nationwide
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
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 2025 was 7.66%. The average loan amount was $666,814. These stats are the average of 358 loans funded for residential rental properties in California between January 1, 2025 and March 31, 2025 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Top 10 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 January 2024 to December 2024.
- American Heritage Lending funded over $136,110,000
- Readycap Lending funded over $40,330,000
- Visio Lending funded over $32,670,000
- CV3 funded over $22,450,000
- Conventus funded over $21,030,000
- Diya Finance funded over $20,930,000
- Archwest Capital funded over $
- Spreo Capital Manager LLC funded over $18,560,000
- ROC Capital funded over $16,610,000
- Easy Street Capital funded over $15,960,000
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 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 2024 to December 2024.
- Approximately $286,679,225 of private money loans were funded in the 4th quarter of 2024 for 349 borrowers.
- Approximately $243,491,299 of private money loans were funded in the 3rd quarter of 2024 for 327 borrowers.
- Approximately $373,882,143 of private money loans were funded in the 2nd quarter of 2024 for 339 borrowers.
- Approximately $179,870,709 of private money loans were funded in the 1st quarter of 2024 for 272 borrowers.
Below are the approximate DSCR loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2024 Q4: $2,383,150 for 9 borrowers
- 2024 Q3: $2,160,758 for 10 borrowers
- 2024 Q2: $768,840 for 2 borrowers
- 2024 Q1: $2,305,322 for 9 borrowers
Fresno, CA
- 2024 Q4: $2,994,810 for 11 borrowers
- 2024 Q3: $309,600 for 2 borrowers
- 2024 Q2: $2,987,550 for 8 borrowers
- 2024 Q1: $1,836,598 for 7 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2024 Q4: $148,678,243 for 146 borrowers
- 2024 Q3: $104,827,981 for 121 borrowers
- 2024 Q2: $150,809,051 for 144 borrowers
- 2024 Q1: $93,675,388 for 117 borrowers
Oxnard-Thousand Oaks-Ventura, CA
- 2024 Q4: $11,794,017 for 10 borrowers
- 2024 Q3: $2,522,550 for 7 borrowers
- 2024 Q2: $11,941,430 for 10 borrowers
- 2024 Q1: $10,774,707 for 7 borrowers
Riverside-San Bernardino-Ontario, CA
- 2024 Q4: $25,113,822 for 46 borrowers
- 2024 Q3: $24,103,229 for 54 borrowers
- 2024 Q2: $37,371,555 for 47 borrowers
- 2024 Q1: $17,740,058 for 35 borrowers
Sacramento-Roseville-Folsom, CA
- 2024 Q4: $9,474,084 for 19 borrowers
- 2024 Q3: $9,572,462 for 17 borrowers
- 2024 Q2: $13,012,320 for 20 borrowers
- 2024 Q1: $5,717,208 for 13 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2024 Q4: $43,978,491 for 52 borrowers
- 2024 Q3: $54,966,300 for 53 borrowers
- 2024 Q2: $48,863,864 for 57 borrowers
- 2024 Q1: $28,921,800 for 40 borrowers
San Francisco-Oakland-Fremont, CA
- 2024 Q4: $18,377,650 for 22 borrowers
- 2024 Q3: $20,112,240 for 22 borrowers
- 2024 Q2: $28,634,376 for 20 borrowers
- 2024 Q1: $6,299,643 for 12 borrowers
San Jose-Sunnyvale-Santa Clara, CA
- 2024 Q4: $6,781,750 for 6 borrowers
- 2024 Q3: $7,267,834 for 7 borrowers
- 2024 Q2: $46,659,430 for 8 borrowers
- 2024 Q1: $1,268,600 for 6 borrowers
Stockton-Lodi, CA
- 2024 Q4: $936,500 for 3 borrowers
- 2024 Q3: $1,404,200 for 4 borrowers
- 2024 Q2: $1,723,550 for 4 borrowers
- 2024 Q1: $110,000 for 1 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
