Question 1

What DSCR ratio do I need in Menlo Park?

Accepted Answer

Most lenders require 1.0 minimum, but you'll get better pricing at 1.25 or higher. San Mateo County's property taxes often push ratios lower than expected.

Question 2

Can I use projected rent for a vacant property?

Accepted Answer

Yes, but appraisers determine market rent through comps. Your optimistic projections don't matter—only what similar Menlo Park rentals actually command.

Question 3

Do I need reserves for a DSCR loan?

Accepted Answer

Typically 6-12 months of PITIA reserves required. Some lenders now accept verified cryptocurrency holdings, though that's still emerging as of February 2026.

Question 4

How does DSCR compare to conventional investment loans?

Accepted Answer

Conventional loans offer better rates but require tax returns and W-2 income verification. DSCR ignores your personal finances entirely—property income qualifies you.

Question 5

What down payment do Menlo Park DSCR loans require?

Accepted Answer

Expect 20-25% down as standard. Higher leverage exists but comes with steeper rates and stricter DSCR requirements.

DSCR Loans in Menlo Park: Finance Rentals Without W-2s