Question 1

What DSCR ratio do I need for a San Francisco rental?

Accepted Answer

Most lenders require at least 1.0. Some will go to 0.75 with stronger credit and larger down payment.

Question 2

Can I use Airbnb income to qualify for a DSCR loan in SF?

Accepted Answer

Most lenders won't accept short-term rental income. Long-term lease income underwrites much more cleanly.

Question 3

Does rent control affect my DSCR approval?

Accepted Answer

Yes. Lenders may reduce qualifying rent on controlled units. It directly affects your debt service coverage ratio.

Question 4

How much do I need to put down on a SF DSCR loan?

Accepted Answer

Plan for 20-25% down minimum. Higher down payments can offset a weaker DSCR ratio or lower credit score.

Question 5

Do DSCR loans work for multi-unit properties in San Francisco?

Accepted Answer

Yes, and SF multi-units can produce strong combined rent. Each unit's income factors into the overall DSCR calculation.

Question 6

Are DSCR rates higher than conventional investment property rates?

Accepted Answer

Yes. DSCR is a non-QM product. Rates run higher than conventional. Rates vary by borrower profile and market conditions.

DSCR Loans in San Francisco: Let the Rent Qualify You