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Anaheim is one of Orange County's strongest rental markets. Tourism, Disneyland, and a dense workforce keep vacancy rates low and rents competitive.
DSCR loans were built for this environment. If the rent covers the mortgage, you can qualify — no W-2s, no tax returns required.
620–680
Min Credit Score
1.0 (some lenders)
Min DSCR Ratio
20–25% typical
Down Payment
30-year fixed available
Loan Term
Non-QM — varies widely
Rate Type
DSCR Loans in Anaheim
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the total mortgage payment. A ratio of 1.0 means rent equals the payment.
Most lenders want a DSCR of 1.0 to 1.25. Below 1.0 is possible with some non-QM lenders, but expect a higher rate. Minimum credit scores typically start at 620 to 680.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Anaheim.
Anaheim is one of Orange County's strongest rental markets. Tourism, Disneyland, and a dense workforce keep vacancy rates low and rents competitive.
DSCR loans were built for this environment. If the rent covers the mortgage, you can qualify — no W-2s, no tax returns required.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the total mortgage payment. A ratio of 1.0 means rent equals the payment.
DSCR loans are non-QM products. Banks and credit unions rarely offer them. You need a broker with access to non-QM wholesale lenders.
Rates vary significantly across lenders on this product. Shopping 10+ lenders on a DSCR loan is not unusual. The spread can be over a full percentage point.
The biggest mistake I see is investors using an appraisal's market rent that doesn't match real Anaheim comps. A bad rent estimate kills the DSCR and kills the deal.
Short-term rental income is tricky. Some lenders will use Airbnb projections. Most want 12 months of actual rental history. Know which lender fits before you apply.
DSCR loans cost more than conventional investment loans — typically higher rates and fees. But conventional loans cap out at 10 financed properties and require full income docs.
Hard money is faster but short-term. Bank statement loans verify your personal income differently. DSCR is the cleanest path if the property cash flows and you want a 30-year term.
Anaheim's resort district creates strong short-term rental demand. But the city has STR regulations — check zoning before you buy. Your DSCR calculation depends on legal rental use.
Multi-family in Anaheim is highly competitive. Single-family rentals near the Platinum Triangle and downtown corridor tend to pencil well on DSCR math as of April 2026.
Most lenders want 1.0 or higher. Some non-QM lenders allow below 1.0 with a larger down payment.
A handful of lenders will use STR projections. Most require 12 months of documented rental income instead.
Yes. Most DSCR lenders allow LLC vesting. It's one of the reasons investors prefer this product.
Expect 20-25% minimum. Some lenders require 30% on condos or properties with lower DSCR ratios.
Yes, DSCR rates run higher than conventional investment property rates. Rates vary by borrower profile and market conditions.
Yes. Most DSCR lenders cover 1-4 unit properties. Some go up to 8 units with portfolio or commercial products.