Loading
Loading
Chino Hills sits at the edge of LA, Orange, and San Bernardino counties. That tri-county position makes it a strong rental market for investors.
Renters here pay a premium for the schools and the suburb feel. A property that cash flows here can qualify for a DSCR loan on its own merits.
620
Min Credit Score
1.0 (most lenders)
Min DSCR Ratio
20-25% typical
Down Payment
21-30 days
Est. Close Time
Fixed & ARM available
Rate Type
DSCR Loans in Chino Hills
DSCR stands for Debt Service Coverage Ratio. Lenders divide the monthly rent by the mortgage payment. A ratio of 1.0 means the rent covers the loan exactly.
Most lenders want a DSCR of 1.0 or higher. Some programs allow below 1.0 with a larger down payment. Minimum credit scores typically start at 620.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Chino Hills.
Chino Hills sits at the edge of LA, Orange, and San Bernardino counties. That tri-county position makes it a strong rental market for investors.
Renters here pay a premium for the schools and the suburb feel. A property that cash flows here can qualify for a DSCR loan on its own merits.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the monthly rent by the mortgage payment. A ratio of 1.0 means the rent covers the loan exactly.
DSCR is a non-QM product. That means retail banks rarely offer it. You need a broker with access to wholesale non-QM lenders.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones pricing DSCR competitively for San Bernardino County right now.
The most common mistake investors make: assuming their personal income matters. It doesn't on a DSCR deal. The property qualifies, not you.
Get a rent schedule or lease in place before you apply. A signed lease or an appraiser's market rent opinion is what lenders use to calculate the ratio.
Bank Statement loans use 12-24 months of deposits to prove income. DSCR ignores your income entirely. For investors with strong rental properties, DSCR is cleaner.
Hard money is faster but much more expensive. DSCR loans carry 30-year terms and real amortization. If you plan to hold, DSCR wins on long-term cost.
Chino Hills properties often carry higher price points for the Inland Empire. That can compress DSCR ratios. Down payment size matters more here than in lower-cost IE cities.
Single-family rentals and small multifamily are the most common DSCR deals in this area. Lenders are comfortable with both property types in San Bernardino County.
Yes. Most DSCR lenders allow vesting in an LLC or other entity. This is one reason investors prefer DSCR over conventional investor loans.
Most programs require 1.0 or higher. Some lenders go below 1.0 with 25-30% down and a stronger credit profile.
Some non-QM lenders accept Airbnb or VRBO income. They use platform data or an appraiser's short-term rent estimate to calculate the ratio.
Most DSCR programs require 20-25% down. Higher price points in Chino Hills may push that to 30% depending on the lender and ratio.
Yes, though some lenders add a small rate premium for investors with no prior landlord experience. It's still very doable.
Typically 21-30 days with a clean title and an appraisal that supports market rent. No income verification speeds up the process.