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Tehachapi sits in Kern County at roughly 4,000 feet elevation. That geography draws renters year-round — commuters, remote workers, and outdoor enthusiasts.
Rental demand here is real. DSCR loans let you buy investment property based on what it earns, not what you do for work.
660 (some at 620)
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25% typical
Down Payment
None required
Income Docs
Non-QM / Investor
Loan Type
DSCR Loans in Tehachapi
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full payment. Some lenders go below 1.0 with a stronger down payment.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Tehachapi.
Tehachapi sits in Kern County at roughly 4,000 feet elevation. That geography draws renters year-round — commuters, remote workers, and outdoor enthusiasts.
Rental demand here is real. DSCR loans let you buy investment property based on what it earns, not what you do for work.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment.
DSCR is a non-QM product. Not every lender offers it. You won't find this at most retail banks.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in DSCR deals in smaller California markets like Tehachapi.
Tehachapi has a strong short-term rental market. Cabins and mountain properties near the wind farms and trails rent well on Airbnb and VRBO.
Some DSCR lenders accept short-term rental income using AirDNA data. Not all do. Know which lender accepts which income methodology before you apply.
Conventional investor loans require two years of tax returns. If you write off expenses aggressively, your taxable income may sink your approval.
DSCR ignores your tax returns entirely. The property qualifies itself. That's the difference for serious investors.
Tehachapi's rural designation matters. Some DSCR lenders restrict loans on rural or non-warrantable properties. We know which ones don't.
Property types here include single-family homes, small multifamily, and vacation cabins. Each type has different lender overlays under DSCR guidelines.
Most lenders require 1.0 or above. Some go to 0.75 with a larger down payment and stronger credit.
Yes, select lenders accept short-term rental income using AirDNA projections. Not every DSCR lender allows this — lender selection matters.
It can with some lenders. We route rural Kern County deals to lenders with no rural property restrictions.
Typically 20-25% for a standard DSCR approval. Going lower is possible but requires stronger ratios and credit.
It can be a strong fit. You'll need a lender that accepts STR income and is comfortable with the property type.
Most start at 660. Some lenders go to 620 with higher down payments. Rates vary by borrower profile and market conditions.