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Murrieta attracts investors for good reason. The Inland Empire rental market runs strong, and Riverside County rents support solid DSCR ratios.
DSCR loans skip personal income verification entirely. The property's rent covers the debt — that's the only income that matters.
620–660 typical
Min Credit Score
1.0 preferred
Min DSCR Ratio
20–25%
Down Payment
Up to 30 years
Loan Terms
Not required
Income Docs
DSCR Loans in Murrieta
Most DSCR lenders want a ratio of 1.0 or higher. That means the rent equals or exceeds the monthly mortgage payment.
Expect a 620–660 minimum credit score, 20–25% down, and reserves. Self-employed borrowers use this loan constantly.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Murrieta.
Murrieta attracts investors for good reason. The Inland Empire rental market runs strong, and Riverside County rents support solid DSCR ratios.
DSCR loans skip personal income verification entirely. The property's rent covers the debt — that's the only income that matters.
Most DSCR lenders want a ratio of 1.0 or higher. That means the rent equals or exceeds the monthly mortgage payment.
DSCR is a non-QM product. Retail banks rarely offer it. Wholesale lenders dominate this space.
SRK CAPITAL works with 200+ wholesale lenders. That means more DSCR programs, tighter pricing, and options banks can't match.
The number one mistake investors make: they don't run DSCR math before making an offer. Low rent kills deals fast.
Get a rent schedule from an appraiser early. One number determines everything — don't guess it.
Conventional investment loans cap at 10 financed properties and require full income docs. DSCR has no such cap.
Hard money is faster but expensive. DSCR gives you 30-year terms at reasonable rates. It's built for hold investors.
Murrieta's rental demand is real — families priced out of coastal markets land here. That keeps vacancy low.
Single-family rentals near the 15 and 215 corridors lease fast. Those are the properties that clear DSCR ratios without a fight.
Most lenders want 1.0 or above. Some programs allow 0.75 with stronger credit and larger down payments.
Some lenders accept Airbnb or VRBO income, but most require 12 months of documented rental history.
Unlike conventional loans, most DSCR programs have no hard cap. Each property is underwritten on its own income.
Yes. The appraiser provides a rent schedule. That number directly sets your qualifying ratio.
Not if your property cash flows. DSCR ignores your personal income, which makes it easier for self-employed investors.