Loading
Loading
Rancho Cordova attracts real estate investors for good reason. Rents are strong, inventory turns fast, and Sacramento County's job base keeps demand steady.
DSCR loans fit this market well. Lenders care about what the property earns — not your W-2 or tax returns.
620–660
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25%
Down Payment
Up to 30 years
Loan Term
None
Income Docs Required
DSCR Loans in Rancho Cordova
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rent covers its mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent equals or exceeds the monthly payment. Some lenders go below 1.0 with a bigger down payment.
Expect a minimum 620–660 credit score. Down payments typically start at 20–25%. Reserves of 6–12 months are common.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cordova.
Rancho Cordova attracts real estate investors for good reason. Rents are strong, inventory turns fast, and Sacramento County's job base keeps demand steady.
DSCR loans fit this market well. Lenders care about what the property earns — not your W-2 or tax returns.
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rent covers its mortgage payment.
DSCR is a non-QM product. Most banks and credit unions don't offer it. You need a broker or non-QM lender with real wholesale access.
At SRK CAPITAL, we shop this across 200+ wholesale lenders. Pricing and guidelines vary dramatically between them. One lender's decline is another's approval.
Rates vary by borrower profile and market conditions. On DSCR loans, your rate also depends on the property's cash flow and your loan-to-value ratio.
The deals I see fall apart on one thing: investors use projected rent, not actual rent. Lenders want a current lease or a market rent appraisal.
Rancho Cordova has strong rent comps. That works in your favor when the appraiser pulls rental market data. Price it right and the DSCR math usually works.
Short-term rentals complicate things. Most DSCR lenders want long-term leases. Airbnb income needs specific lenders who allow STR income — they exist, but fewer of them.
Conventional investor loans require full income docs. If you're self-employed or hold multiple properties, DTI gets ugly fast. DSCR sidesteps that entirely.
Hard money loans close faster but carry higher rates and short terms. DSCR loans give you 30-year amortization — that's a real hold strategy, not a flip tool.
Bank statement loans verify personal income through deposits. DSCR doesn't care about your personal income at all. For pure investors, that's a cleaner path.
Rancho Cordova sits inside Sacramento County. Property taxes here run around 1.1–1.25% of assessed value. Factor that into your DSCR calculation before you make an offer.
The area draws renters from CSUS, nearby defense contractors, and healthcare employers. That tenant base keeps vacancy low — which matters when lenders look at rent sustainability.
As of April 2026, Sacramento County remains one of California's more accessible markets for rental investors. Lower entry prices relative to the Bay Area mean DSCR ratios are easier to hit here.
Most lenders want 1.0 or above. Some go as low as 0.75 with a larger down payment and stronger credit.
No — lenders want a signed lease or a market rent analysis from the appraisal. Projections don't count.
Some do. STR-friendly DSCR lenders exist, but there are fewer of them and guidelines are stricter.
Most DSCR lenders have no portfolio cap. That's a major advantage over conventional loans, which cap at 10 financed properties.
Typically 20–25%. Some lenders go lower, but expect higher rates and stricter DSCR requirements at lower down payments.
Yes, typically. Non-QM pricing carries a premium. Rates vary by borrower profile and market conditions.