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Fairfield sits between San Francisco and Sacramento. That corridor drives consistent rental demand from commuters, Travis AFB personnel, and logistics workers.
Solano County rents have held steady relative to purchase prices. That rent-to-price ratio is exactly what makes DSCR deals pencil out here.
620–680
Min Credit Score
0.75–1.0
Min DSCR Ratio
20–25%
Down Payment
None (rental income)
Income Docs Required
30-year fixed
Loan Term Available
DSCR Loans in Fairfield
DSCR lenders ignore your W-2 or tax returns. They divide the property's gross rent by its monthly debt payment — that ratio determines approval.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage. Some programs go down to 0.75 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 Fairfield.
Fairfield sits between San Francisco and Sacramento. That corridor drives consistent rental demand from commuters, Travis AFB personnel, and logistics workers.
Solano County rents have held steady relative to purchase prices. That rent-to-price ratio is exactly what makes DSCR deals pencil out here.
DSCR lenders ignore your W-2 or tax returns. They divide the property's gross rent by its monthly debt payment — that ratio determines approval.
DSCR is a non-QM product. Retail banks rarely offer it. You need a broker with access to wholesale non-QM lenders — pricing and guidelines vary widely.
We work with 200+ wholesale lenders. On DSCR deals, that matters. One lender may cap at 75% LTV while another goes to 80% on the same Fairfield property.
The number that kills most Fairfield DSCR deals is the appraisal's rent schedule. Get a market rent analysis before you make an offer — not after.
Short-term rentals complicate DSCR underwriting. Some lenders use projected Airbnb income; most don't. Know which lender you're targeting before you structure the deal.
Bank statement loans look at your personal deposits — good for self-employed buyers who live in the property. DSCR only looks at the rental income. Completely different use case.
Hard money closes faster but carries higher rates and short terms. DSCR gives you a 30-year fixed option. For a hold strategy, DSCR wins on cost.
Travis AFB creates a built-in renter pool. Military families on PCS orders need housing fast — that demand supports rent stability in northwest Fairfield zip codes.
Fairfield's industrial and distribution growth adds non-military renters too. More stable employment in the area means lower default risk on the rent side of your DSCR equation.
Yes. DSCR has no requirement to own other properties. You need a qualifying credit score, down payment, and a property with sufficient rental income.
Most DSCR lenders require 620-680 minimum. Higher scores get better rates. Rates vary by borrower profile and market conditions.
Lenders use an appraisal rent schedule if the unit is vacant. Existing leases can also be used. The stronger number usually wins.
Yes. DSCR cash-out is available on investment properties. The property's rent must still cover the new, higher payment at the required ratio.
Yes. DSCR is a non-QM product — expect rates above conventional investor pricing. Rates vary by borrower profile and market conditions.
Some lenders allow STR income; many don't. You need to target a lender with an explicit STR policy before applying.