Question 1

Can I use projected rent for DSCR qualification?

Accepted Answer

Yes, but lenders require an appraisal with market rent analysis. They typically use 75% of projected rent for conservative underwriting.

Question 2

Do I need reserves for investor loans?

Accepted Answer

Most programs require 6-12 months of mortgage payments in reserves per property. Some lenders now accept crypto holdings as verified reserves.

Question 3

What loan-to-value can investors get in South San Francisco?

Accepted Answer

Expect 75-80% LTV for single properties with strong DSCR. Portfolio purchases typically max at 75% LTV regardless of cash flow.

Question 4

How do lenders calculate DSCR in San Mateo County?

Accepted Answer

Monthly rent divided by PITIA payment including taxes, insurance, HOA, and association dues. South San Francisco property taxes run approximately 1.2% annually.

Question 5

Can I finance fix-and-flip projects here?

Accepted Answer

Yes, hard money lenders fund South San Francisco rehabs at 85-90% of purchase plus renovation costs. Terms run 12-24 months typically.

Question 6

Do investor loans require property management?

Accepted Answer

Not required, but some lenders add rental income to DSCR calculations if you use professional management. Self-management works fine for qualification.

Investor Loans in South San Francisco: Finance Your Bay Area Rental Portfolio