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Lodi sits in the heart of San Joaquin County, drawing investors with its wine country appeal and lower entry prices than the Bay Area.
Rental demand here is steady. That makes DSCR loans — which qualify based on what the property earns, not what you earn — a natural fit.
620–680
Min Credit Score
1.0 (typical)
Min DSCR Ratio
20–25%
Down Payment
30-Year Fixed Available
Loan Term
Allowed
LLC Vesting
DSCR Loans in Lodi
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 payment. Some programs allow below 1.0 with a larger down payment.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Lodi.
Lodi sits in the heart of San Joaquin County, drawing investors with its wine country appeal and lower entry prices than the Bay Area.
Rental demand here is steady. That makes DSCR loans — which qualify based on what the property earns, not what you earn — a natural fit.
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. Retail banks rarely offer it. You need a broker with access to wholesale non-QM lenders — and not just one or two.
At SRK CAPITAL, we run your scenario across 200+ wholesale lenders. Rates and guidelines vary widely on DSCR. Shopping matters here more than on conventional loans.
The most common mistake I see: investors assume any positive cash flow property will pass. Lenders use market rent, not your lease, unless it's seasoned.
Short-term rentals like Airbnb are trickier. Some lenders will use a short-term rent schedule. Most still want to see long-term rental comps as a baseline.
Bank Statement loans also skip tax returns — but they verify your personal income from deposits. DSCR skips personal income entirely.
Hard Money loans close faster but carry higher rates and short terms. DSCR offers 30-year fixed options. For buy-and-hold in Lodi, DSCR usually wins.
Lodi's rental market benefits from spillover demand from Stockton and Sacramento. Commuters priced out of those cities often rent here.
Single-family rentals and small multifamily properties are the most active investor segments in this area. Both property types work well under DSCR guidelines.
No. DSCR lenders qualify the property, not you. Tax returns are not required.
Yes. Most DSCR lenders allow LLC vesting. This is one reason investors prefer DSCR over conventional investor loans.
Most lenders want 1.0 or above. Some go lower with 25-30% down. Below 0.75 is rarely fundable.
Some lenders allow short-term rental income on DSCR. Most still benchmark against long-term market rent. We find you the right lender for your setup.
Most programs start at 620-680. Higher scores get better pricing. Rates vary by borrower profile and market conditions.
Divide the monthly gross rent by the full mortgage payment including taxes and insurance. A ratio of 1.0 means rent covers the payment exactly.