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Vallejo is one of the most cash-flow-friendly markets in the Bay Area. Lower entry prices mean stronger rent-to-purchase ratios than you'll find in Oakland or San Jose.
Solano County investors are buying here precisely because the numbers work. DSCR loans let you skip personal income verification and qualify on what the property earns.
620–680
Min Credit Score
1.0–1.1x
Min DSCR Ratio
20–25%
Down Payment
None
Income Docs Needed
Non-QM
Loan Type
DSCR Loans in Vallejo
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
Most lenders want a DSCR of 1.1 or higher. Some programs allow a DSCR below 1.0 with a larger down payment. Credit score minimums typically start at 620 to 680 depending on the lender.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Vallejo.
Vallejo is one of the most cash-flow-friendly markets in the Bay Area. Lower entry prices mean stronger rent-to-purchase ratios than you'll find in Oakland or San Jose.
Solano County investors are buying here precisely because the numbers work. DSCR loans let you skip personal income verification and qualify on what the property earns.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rent by its monthly mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
DSCR is a non-QM loan — meaning it sits outside conventional Fannie Mae guidelines. Not every lender offers it. You need a broker with access to non-QM wholesale channels.
We work with 200+ wholesale lenders at SRK CAPITAL. That includes multiple non-QM shops with competitive DSCR programs for Vallejo single-family and multi-unit properties.
The deals I see fall apart when investors use projected rent instead of actual market rent. Lenders use an appraiser's rent schedule — not what Zillow shows or what a tenant told you.
Vallejo short-term rentals can complicate DSCR calculations. Some lenders use 75% of gross Airbnb income. Others want 12 months of platform deposits. Know which program fits your property before you apply.
A conventional investment loan uses your W-2, tax returns, and debt-to-income ratio. If you own multiple properties already, your DTI can disqualify you fast.
DSCR cuts through that. The property qualifies itself. That makes it the go-to tool for investors scaling a portfolio beyond two or three doors.
Vallejo has a mix of single-family homes, duplexes, and small apartment buildings. DSCR programs cover all of these — though multi-unit above four doors usually shifts to commercial terms.
Solano County sits outside the highest-cost California counties. That keeps loan amounts in range for standard non-QM limits. As of April 2026, most DSCR programs cap around $3-4 million, which covers nearly every Vallejo deal.
No. DSCR loans skip personal income docs entirely. The property's rent-to-payment ratio drives the approval.
Yes — most DSCR programs allow LLC vesting. This is a major reason investors prefer it over conventional financing.
Most lenders start at 620 to 680. Higher scores get better rates. Rates vary by borrower profile and market conditions.
Some lenders accept it — but treatment varies. Many cap qualifying income at 75% of documented platform deposits.
Plan for 20 to 25% down. Some programs allow 15% with a higher DSCR and strong credit.
Yes. DSCR programs cover 1-4 unit properties. Duplexes and triplexes often qualify well given Vallejo's rental demand.