Loading
Loading
Alhambra sits in the heart of the San Gabriel Valley. Rental demand here stays strong year-round.
Investors targeting multi-unit and single-family rentals find this market competitive. DSCR loans cut through the income documentation problem.
620
Min Credit Score
1.0x
Min DSCR Ratio
20–25%
Down Payment
None
Income Docs Required
30-Year Fixed
Loan Term Available
DSCR Loans in Alhambra
The property's rent must cover its debt payment. Most lenders want a DSCR of 1.0 or higher — meaning rent equals or exceeds the mortgage.
Credit score minimums typically start at 620. Down payments usually run 20–25% 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 Alhambra.
Alhambra sits in the heart of the San Gabriel Valley. Rental demand here stays strong year-round.
Investors targeting multi-unit and single-family rentals find this market competitive. DSCR loans cut through the income documentation problem.
The property's rent must cover its debt payment. Most lenders want a DSCR of 1.0 or higher — meaning rent equals or exceeds the mortgage.
Most banks won't touch DSCR loans. These are non-QM products — meaning they fall outside standard lending rules.
We work with 200+ wholesale lenders, and a solid portion specialize in non-QM investor products. That competition helps us find better pricing.
Short-term rental income from platforms like Airbnb can qualify — but lenders vary on how they calculate it. Some require a market rent appraisal instead.
Closing in an LLC is allowed by most DSCR lenders. That matters for investors who want liability separation from day one.
Hard money loans close faster but carry higher rates and short terms. DSCR loans give you a 30-year fixed option — hard money doesn't.
Bank statement loans require 12–24 months of deposits. DSCR skips your income entirely. For rental investors, DSCR is usually the cleaner path.
Alhambra's dense housing stock includes older duplexes and small apartment buildings. These are ideal for DSCR because rent-to-value ratios can work in your favor.
LA County property taxes run around 1.25% annually. Factor that into your DSCR calculation — it affects whether the deal pencils.
Most lenders want a 1.0 or higher. Some allow below 1.0 with a larger down payment.
Yes. Most DSCR lenders allow LLC vesting. It's one of the biggest advantages of this loan type.
No. The property's rent income drives the approval. Your W-2 or tax returns aren't part of the equation.
Yes — lenders typically use an appraisal market rent analysis. Actual leases also work if the property is already rented.
Yes, typically. Non-QM investor pricing carries a premium. Rates vary by borrower profile and market conditions.
There's no standard cap. Most DSCR lenders don't limit how many financed properties you can hold.