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Cupertino is one of the highest-rent markets in Santa Clara County. That works in your favor with a DSCR loan.
DSCR loans qualify you based on what the property earns — not your tax returns. Strong rental income here means stronger ratios.
620+
Min Credit Score
1.0 (1.20 ideal)
Min DSCR Ratio
20–25%
Down Payment
Up to 30-year fixed
Loan Term
Up to $3M+ (lender varies)
Max Loan Amount
DSCR Loans in Cupertino
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the mortgage payment. A ratio of 1.0 means the rent covers the payment exactly.
Most lenders want a DSCR of 1.20 or higher. Some will go down to 0.75 — but expect a higher rate and larger down payment at those levels.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Cupertino.
Cupertino is one of the highest-rent markets in Santa Clara County. That works in your favor with a DSCR loan.
DSCR loans qualify you based on what the property earns — not your tax returns. Strong rental income here means stronger ratios.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the mortgage payment. A ratio of 1.0 means the rent covers the payment exactly.
DSCR is a non-QM loan. Most big banks don't offer it. You need wholesale lenders who specialize in investor financing.
We work with 200+ wholesale lenders. Several of them price DSCR loans competitively for high-value California markets like Cupertino.
Cupertino's rental demand stays high year-round. Tech workers pay premium rents. That consistency helps your DSCR calculation hold up.
We see investors trip up on appraisals here. The rent schedule — Form 1007 — needs to support your projected income. A low rent estimate kills the deal.
Bank statement loans use your business revenue to qualify. DSCR loans use the property's revenue. If the rental income is strong, DSCR is usually the cleaner path.
Hard money loans close fast but carry short terms and high rates. DSCR loans offer 30-year fixed options — better for buy-and-hold investors.
Cupertino sits in Santa Clara County, one of the most competitive investor markets in California. Entry prices are high, but so are rents.
Loan amounts here often push into jumbo territory. Some DSCR lenders cap at $3M. Others go higher. Know your lender's limits before you open escrow.
Most lenders want 1.20 or above. Some go lower, but pricing gets worse. Cupertino rents often support strong ratios.
Yes. Most DSCR programs allow LLC vesting. It's one reason investors prefer this product over conventional loans.
No personal income docs are required. The property's rental income drives the qualification — that's the point of DSCR.
Some lenders allow it using platforms like Airbnb. Check Cupertino's local rules first — short-term rentals face restrictions here.
Expect 20-25% down. Higher loan amounts or lower DSCR ratios may require more. Each lender sets its own requirements.
Yes, DSCR loans are non-QM and carry slightly higher rates. Rates vary by borrower profile and market conditions.