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Emeryville sits between Oakland and Berkeley — two of the Bay Area's strongest rental markets. That location makes it a serious target for investors chasing cash-flowing properties.
DSCR loans cut your personal income out of the equation. The property's rent is what gets you approved, not your W-2 or tax returns.
1.0 (some below)
Min DSCR Ratio
620 typical
Min Credit Score
20–25%
Down Payment
30-year fixed available
Loan Term
Non-QM / Investor
Loan Type
DSCR Loans in Emeryville
Most lenders want a DSCR of 1.0 or higher. That means monthly rent must cover the full mortgage payment. Some lenders go below 1.0 — but expect a higher rate.
You'll typically need a 620+ credit score and 20-25% down. LLC vesting is usually allowed, which matters if you're building a portfolio.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Emeryville.
Emeryville sits between Oakland and Berkeley — two of the Bay Area's strongest rental markets. That location makes it a serious target for investors chasing cash-flowing properties.
DSCR loans cut your personal income out of the equation. The property's rent is what gets you approved, not your W-2 or tax returns.
Most lenders want a DSCR of 1.0 or higher. That means monthly rent must cover the full mortgage payment. Some lenders go below 1.0 — but expect a higher rate.
DSCR is a non-QM product. Most retail banks won't touch it. You need a broker with access to wholesale non-QM lenders who actually price these deals competitively.
We work with 200+ wholesale lenders, including many non-QM shops that specialize in investor loans. Rate and terms vary significantly across lenders — shopping matters here.
The biggest mistake investors make: buying a property, then asking if it qualifies. Run the DSCR math before you're in contract. Rent divided by PITI — that's your ratio.
Short-term rentals can work for DSCR, but many lenders require a market rent appraisal. Some will use Airbnb income. Others won't. Know which lender you're using before you buy.
Compared to hard money loans, DSCR loans have longer terms — typically 30 years — and lower rates. Hard money is for speed and flexibility. DSCR is for holding.
Bank statement loans can work for self-employed investors, but they require 12-24 months of personal or business statements. DSCR skips all of that — the property qualifies itself.
Emeryville has a high renter concentration and proximity to major employers. Properties here can post solid rent-to-price ratios — but verify with a current rent analysis before closing.
Alameda County's rent landscape is competitive. DSCR lenders will order a comparable rent schedule through the appraisal. Strong comps in this area typically support the math.
Most lenders require 1.0 or higher. Some non-QM lenders go below 1.0 with stronger credit or a larger down payment.
Yes — many non-QM lenders allow LLC vesting. It's one of the main reasons investors prefer DSCR over conventional loans.
No. DSCR loans qualify based on the property's income. Your personal tax returns aren't part of the approval process.
Some lenders accept short-term rental income. Others require market rent from the appraisal. Ask your broker which lenders allow it before you shop.
Typically 20-25% down. Some lenders require more for lower DSCR ratios or lower credit scores.
Yes, if the property cash flows. DSCR loans don't require prior landlord experience — the numbers on the property are what matters.