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Calipatria sits in Imperial County — one of California's most affordable rental markets. That low entry price is exactly what draws cash-flow-focused investors.
DSCR loans skip your tax returns entirely. The property's rent-to-payment ratio is what gets you approved.
620–640 typical
Min Credit Score
1.1x preferred
Min DSCR Ratio
None
Income Docs Required
20–25%
Down Payment
30-year available
Loan Term
DSCR Loans in Calipatria
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the payment exactly. Most lenders want 1.1 or higher.
Minimum credit scores typically start at 620 to 640. Down payments usually run 20 to 25 percent on investment properties.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Calipatria.
Calipatria sits in Imperial County — one of California's most affordable rental markets. That low entry price is exactly what draws cash-flow-focused investors.
DSCR loans skip your tax returns entirely. The property's rent-to-payment ratio is what gets you approved.
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the payment exactly. Most lenders want 1.1 or higher.
Most retail banks don't offer DSCR loans. This is a non-QM product, meaning it lives in the wholesale and private lending space.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones actively pricing DSCR deals in Imperial County — most brokers don't know who's competitive here.
Calipatria properties are cheap by California standards. That cuts both ways — low loan amounts mean lender fees hit harder as a percentage of your deal.
We run the numbers before you apply. If the rent doesn't support the DSCR at current rates, we tell you upfront. Rates vary by borrower profile and market conditions.
Hard money moves faster but costs more. DSCR loans carry rates closer to conventional investor pricing with 30-year amortization — hard money rarely offers that.
Bank statement loans work if you want to pull from personal income. DSCR ignores your income entirely. Pick based on which number looks better.
Imperial County has a large agricultural workforce with consistent rental demand. Single-family rentals in towns like Calipatria tend to stay occupied.
Remote location means fewer investors competing for deals. That can work in your favor on purchase price — and DSCR math improves when you buy right.
Most lenders require a DSCR of 1.1 or higher. Some will go to 1.0, but expect a higher rate or larger down payment.
Not always. Many lenders accept a market rent analysis from the appraisal instead of an active lease.
Some lenders allow it, but they'll use a short-term rental income estimate. Not every DSCR lender underwrites STR deals.
Standard investment loans verify your personal income. DSCR loans qualify you based only on the property's rent-to-payment ratio.
Most DSCR lenders start at 620 to 640. A higher score typically gets you a better rate. Rates vary by borrower profile and market conditions.
Yes. DSCR loans work on 1-4 unit properties. Some lenders extend to 5+ units under commercial DSCR guidelines.