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Rialto sits in the Inland Empire, one of California's most active rental markets. Demand from logistics workers and commuters keeps vacancy rates low.
That steady rental demand is exactly what DSCR lenders want to see. Strong rent-to-price ratios here make qualifying on property income realistic.
620
Min Credit Score
1.0 (most lenders)
Min DSCR Ratio
20-25%
Min Down Payment
None
Income Docs Required
Non-QM / Investor
Loan Type
DSCR Loans in Rialto
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its mortgage payment to get that number.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage. Some lenders go below 1.0 with a larger down payment.
Expect a minimum 620 credit score with most DSCR programs. Better scores unlock lower rates and higher loan amounts.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto sits in the Inland Empire, one of California's most active rental markets. Demand from logistics workers and commuters keeps vacancy rates low.
That steady rental demand is exactly what DSCR lenders want to see. Strong rent-to-price ratios here make qualifying on property income realistic.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its mortgage payment to get that number.
DSCR is a non-QM product. That means big retail banks won't touch it. You need wholesale lenders who specialize in investor loans.
We work with 200+ wholesale lenders at SRK CAPITAL. Several compete hard on DSCR pricing for Inland Empire properties right now.
The most common mistake I see: investors only check rent against principal and interest. Lenders include taxes, insurance, and HOA fees in that payment figure.
Run your real numbers before you make an offer. A property that pencils at 1.2 DSCR can drop to 0.9 once full PITI is counted.
Short-term rental income can work for DSCR qualification. Some lenders accept AirDNA market rent data for STR properties in Rialto.
Bank Statement loans also skip W-2s, but they require 12-24 months of personal or business deposits. DSCR ignores your income entirely.
Hard Money moves faster but costs more — rates often run 3-5 points higher than DSCR. Use hard money to close fast, then refinance into DSCR.
Conventional investor loans cap at 10 financed properties. DSCR has no such limit. Serious portfolio builders choose DSCR for that reason.
Rialto's industrial corridor drives a large workforce that rents locally. Single-family rentals near logistics hubs tend to hold occupancy well.
San Bernardino County has no local transfer tax beyond the state baseline. That keeps your acquisition costs predictable on Rialto deals.
As of April 2026, Inland Empire rent growth has cooled from its peak. That makes accurate rent comps critical before you lock a purchase price.
No. DSCR lenders qualify you based on the property's rent, not your job. Self-employed investors and retirees use this program regularly.
Most lenders require 20-25% down on a DSCR purchase. Higher down payments can offset a lower DSCR ratio.
Yes. Most DSCR lenders allow LLC vesting. This is one reason investors prefer DSCR over conventional investor loans.
Not always. Lenders use a market rent appraisal if the property is vacant. The appraiser determines the qualifying rent figure.
There's no hard cap like conventional financing. Each property stands on its own cash flow. Many investors hold 10+ DSCR loans.
SFR, condos, 2-4 units, and some 5+ unit properties qualify. Most lenders won't do DSCR on owner-occupied homes.