Loading
Loading
Santa Clara sits at the core of Silicon Valley. Rental demand here is relentless — tech workers need housing, and investors know it.
High rents make DSCR math work well in this market. Strong cash flow helps properties clear the income threshold lenders require.
620–680
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25%
Down Payment
30-year fixed available
Loan Term
Non-QM, risk-based pricing
Rate Type
DSCR Loans in Santa Clara
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage. Some lenders go 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 Santa Clara.
Santa Clara sits at the core of Silicon Valley. Rental demand here is relentless — tech workers need housing, and investors know it.
High rents make DSCR math work well in this market. Strong cash flow helps properties clear the income threshold lenders require.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by the monthly mortgage payment.
DSCR is a non-QM loan. Not every lender offers it. You need a broker with access to wholesale lenders who specialize in investor deals.
Rates on DSCR loans run higher than conventional rates. Pricing depends on credit score, DSCR ratio, and down payment size. Rates vary by borrower profile and market conditions.
Santa Clara rents are high enough that single-family homes often qualify easily. Condos with HOA fees are trickier — that payment cuts into your DSCR.
Investors holding multiple properties use DSCR to scale. No tax return headaches. No debt-to-income ceiling based on personal W-2s.
Conventional investor loans cap at 10 financed properties and require full income docs. DSCR has no portfolio cap with most lenders.
Hard money moves faster but costs more. DSCR offers 30-year fixed terms — hard money does not. For long holds, DSCR wins on rate and stability.
Santa Clara County has high property values. Loan amounts on investment properties can push into jumbo territory. Not all DSCR lenders go that high.
Corporate housing near major tech campuses commands premium rents. That income profile can make DSCR qualification cleaner than it looks on paper.
Most lenders want 1.0 or above. Some go to 0.75 with 25-30% down.
Yes. Lenders use the appraiser's market rent estimate. Actual lease not required.
Some lenders allow it. They use the appraisal's market rent, not Airbnb income history.
Many DSCR lenders allow LLC vesting. Confirm before you apply — not all do.
Expect 20-25% minimum. Higher loan amounts or lower DSCR may require more.
DSCR qualifies you on rental income only. No W-2s, tax returns, or personal DTI review.