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Mountain View sits at the heart of Silicon Valley. Rental demand here is driven by tech employment — tenants pay premium rents, and that cash flow is exactly what DSCR lenders evaluate.
DSCR loans qualify you based on the property's rent, not your W-2. In a high-rent market like Mountain View, that math often works in your favor.
620–640 typical
Min Credit Score
1.0x (some lower)
Min DSCR Ratio
None
Income Docs Required
20–25% typical
Down Payment
Non-QM / Investor
Loan Type
DSCR Loans in Mountain View
The core number lenders watch is your DSCR ratio. That means monthly rent divided by monthly mortgage payment. Most lenders want 1.0 or higher — meaning rent covers the full payment.
Credit score minimums typically start at 620 to 640. Expect to put down 20 to 25 percent. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits at the heart of Silicon Valley. Rental demand here is driven by tech employment — tenants pay premium rents, and that cash flow is exactly what DSCR lenders evaluate.
DSCR loans qualify you based on the property's rent, not your W-2. In a high-rent market like Mountain View, that math often works in your favor.
The core number lenders watch is your DSCR ratio. That means monthly rent divided by monthly mortgage payment. Most lenders want 1.0 or higher — meaning rent covers the full payment.
DSCR is a non-QM product. Most big banks won't touch it. You need wholesale lenders that specialize in investor loans — that's where a broker with 200+ lender relationships earns their fee.
Pricing and guidelines vary wildly across DSCR lenders. One lender may cap at 75% LTV. Another allows short-term rental income. Shopping matters more here than on a conventional loan.
Mountain View properties carry high purchase prices. Your DSCR ratio can get tight if the rent-to-price ratio is thin. Run the numbers before you're under contract — not after.
Some lenders will go below 1.0 DSCR if your credit and reserves are strong. That's a tool worth knowing about on higher-priced Silicon Valley properties.
Conventional investor loans require full income documentation. If you're self-employed or own multiple properties, that can sink a deal. DSCR sidesteps that entirely.
Hard money is faster but more expensive and short-term. DSCR gives you a 30-year fixed rate backed by rental income — better for a long-term hold in Mountain View.
Mountain View is in Santa Clara County. Loan amounts here routinely push into jumbo territory. Confirm your DSCR lender is comfortable with higher loan balances before you engage.
The local renter base skews toward tech workers who expect quality units and pay accordingly. That tenant profile supports stable, documented rental income — exactly what DSCR underwriters want to see.
Most lenders require 1.0 or higher. Some allow below 1.0 with strong credit and reserves.
Select lenders accept short-term rental income using market data. Not all do — ask upfront.
No. The property's rent is what qualifies you. Personal income docs are not required.
Plan for 20 to 25 percent down. Higher down payments can improve your rate and DSCR approval odds.
Yes. Many lenders finance 2-4 unit properties and some go up to small commercial. Guidelines vary by lender.
The math gets tighter when purchase prices are high. Run your DSCR ratio early and compare multiple lenders.