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Roseville is one of the Sacramento metro's strongest rental markets. Steady population growth and limited housing supply keep vacancy rates low.
That rental demand is exactly what DSCR lenders want to see. A property that cash flows here has a real shot at approval.
660–680
Min Credit Score
1.0–1.25x
Min DSCR Ratio
20–25%
Down Payment
30-Year Fixed Available
Loan Term
Fixed & ARM options
Rate Type
DSCR Loans in Roseville
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment. A ratio of 1.0 means rent covers the debt. Most lenders want 1.1 or higher.
Your tax returns don't matter here. No W-2, no pay stubs, no DTI calculation. The property either cash flows or it doesn't.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville is one of the Sacramento metro's strongest rental markets. Steady population growth and limited housing supply keep vacancy rates low.
That rental demand is exactly what DSCR lenders want to see. A property that cash flows here has a real shot at approval.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment. A ratio of 1.0 means rent covers the debt. Most lenders want 1.1 or higher.
DSCR is a non-QM product. Most big banks won't touch it. You need wholesale lenders who specialize in investor loans.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several of them actively price DSCR loans in Placer County markets like Roseville.
The most common mistake I see: investors use projected rent instead of market rent. Lenders want an appraisal with a rent schedule — not your estimate.
Short-term rental income from Airbnb is trickier. Some lenders allow it with 12 months of platform history. Others require long-term lease income only.
A conventional investment loan requires full income docs and caps you at 10 financed properties. DSCR has no property count limit with most lenders.
Hard money loans close faster but carry higher rates and short terms. DSCR gives you a 30-year fixed on an investment property — without the income hurdle.
Roseville's planned communities attract long-term tenants — families relocating from the Bay Area, healthcare workers, state employees. That tenant base means stable rent.
Single-family rentals and small multifamily both work well for DSCR here. The key is buying at a price where rent covers the payment at current rates.
Most lenders require a 1.0 to 1.25 DSCR. Higher ratios get better rates and terms.
Yes. Most DSCR lenders allow LLC vesting. It's one of the reasons investors prefer this product.
No. Lenders use a market rent appraisal. The property doesn't need an existing lease to qualify.
Expect 20–25% down. Some lenders go to 15% with stronger credit and higher DSCR.
Some lenders allow it with 12 months of platform income history. Others require long-term leases only.
DSCR skips your personal income entirely. Approval is based on property cash flow, not your tax returns.