Loading
Loading
Rancho Cucamonga sits in the Inland Empire — one of Southern California's most active rental markets. Strong renter demand here makes DSCR loans a natural fit.
DSCR loans qualify you based on rental income, not your W-2 or tax returns. If the property cash flows, you have a real path to financing.
620–680
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
25–30%
Down Payment
None
Income Docs Required
30-Year Fixed
Loan Term Available
DSCR Loans in Rancho Cucamonga
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment. A ratio of 1.0 means the rent covers the debt exactly.
Most lenders want a DSCR of 1.0 or higher. Some will go below 1.0 with stronger credit or a bigger down payment. Expect a minimum 620-680 credit score depending on the lender.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cucamonga.
Rancho Cucamonga sits in the Inland Empire — one of Southern California's most active rental markets. Strong renter demand here makes DSCR loans a natural fit.
DSCR loans qualify you based on rental income, not your W-2 or tax returns. If the property cash flows, you have a real path to financing.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment. A ratio of 1.0 means the rent covers the debt exactly.
DSCR is a non-QM product — traditional banks rarely offer it. You need wholesale lenders who specialize in investor financing.
SRK CAPITAL works with 200+ wholesale lenders, including non-QM specialists. We shop programs across all of them to match your property's numbers to the right lender.
The most common mistake investors make: assuming any rent number qualifies. Lenders use market rent from an appraiser — not what a tenant is currently paying.
A property renting below market could show a weak DSCR even if you're cash flowing. Get a rent schedule review before you apply. It changes the strategy.
Hard money loans are faster but short-term. DSCR loans give you a 30-year fixed — actual hold financing, not a bridge to somewhere else.
Bank statement loans also skip tax returns, but they qualify on your personal income. DSCR ignores your income entirely. For investors with complex returns, that's a big difference.
Rancho Cucamonga has a strong mix of single-family rentals and small multifamily. Both property types work well under DSCR underwriting.
San Bernardino County's lower price points compared to LA or Orange County mean down payment requirements are easier to hit. That improves your DSCR positioning at the start.
Most lenders require a 1.0 minimum. Some go to 0.75 with stronger credit and more down.
Yes. Most DSCR programs allow LLC vesting. It's one reason investors prefer this product.
No. Approval is based on the property's rent income, not your personal income or tax returns.
Some lenders accept short-term rental income using Airbnb or VRBO data. Not all programs allow it.
An appraiser sets market rent on the 1007 rent schedule. That number — not your lease — is what lenders use.
Expect 25-30% down on most programs. Rates vary by borrower profile and market conditions.