Loading
Loading
Antioch sits in eastern Contra Costa County, where rents have held firm and single-family rentals move fast.
Investors here don't need to show W-2s or tax returns. The property's cash flow is what gets you approved.
620+
Min Credit Score
0.75 – 1.0
Min DSCR Ratio
20 – 25%
Down Payment
21 – 30 Days
Est. Close Time
Non-QM / 30-Year
Loan Type
DSCR Loans in Antioch
DSCR stands for Debt Service Coverage Ratio. Lenders divide monthly rent by monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage. Some go down to 0.75 with a higher rate.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Antioch.
Antioch sits in eastern Contra Costa County, where rents have held firm and single-family rentals move fast.
Investors here don't need to show W-2s or tax returns. The property's cash flow is what gets you approved.
DSCR stands for Debt Service Coverage Ratio. Lenders divide monthly rent by monthly mortgage payment.
DSCR is a non-QM product. Most banks don't offer it. You need a broker with access to wholesale non-QM lenders.
Pricing varies widely across lenders. One lender might add a full point in rate over another for the same deal.
The biggest mistake I see: investors use projected rent instead of actual lease income. Lenders want a signed lease or market rent appraisal.
Short-term rentals are tricky. Some lenders accept Airbnb income, but they discount it. Know your exit strategy before picking a lender.
Hard money loans close faster but cost more. DSCR rates are higher than conventional, but terms are 30 years — not 12 months.
Bank statement loans work for self-employed owners. DSCR is cleaner when the property income stands on its own.
Antioch has a strong pool of renters priced out of Walnut Creek and Concord. That helps DSCR ratios pencil out.
Multi-unit properties and SFR rentals both qualify. Know your numbers before you make an offer.
Most lenders start at 620. Better rates kick in at 700+. Your score affects both rate and max LTV.
Yes. Most DSCR lenders allow LLC vesting. This is one reason investors prefer DSCR over conventional.
Expect 20-25% down on a purchase. Cash-out refinances typically cap at 70-75% LTV.
No. Vacant properties can qualify using a market rent appraisal. A signed lease helps, but isn't always required.
Some lenders allow it, but they often discount projected STR income. Expect stricter terms than a long-term rental.
Most close in 21-30 days. It's slower than hard money but faster than a full conventional file.