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Visalia is one of the Central Valley's most consistent rental markets. Strong tenant demand and lower entry prices make it attractive for buy-and-hold investors.
DSCR loans — which qualify you based on a property's rental income, not your tax returns — fit this market well. Cash-flowing rentals are exactly what these loans are built for.
620+
Min Credit Score
0.75 – 1.0+
Min DSCR Ratio
20–25%
Down Payment
Up to 30 years
Loan Term
None (rent only)
Income Docs Needed
DSCR Loans in Visalia
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the mortgage. Most lenders want 1.0 or higher — some go down to 0.75.
Typical requirements: 620+ credit score, 20-25% down, and a rent schedule or lease to document income. Your personal tax returns stay out of the file entirely.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Visalia.
Visalia is one of the Central Valley's most consistent rental markets. Strong tenant demand and lower entry prices make it attractive for buy-and-hold investors.
DSCR loans — which qualify you based on a property's rental income, not your tax returns — fit this market well. Cash-flowing rentals are exactly what these loans are built for.
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means rent covers the mortgage. Most lenders want 1.0 or higher — some go down to 0.75.
DSCR is a non-QM product. That means retail banks rarely offer it. You need a wholesale lender that actively prices this paper — and the terms vary widely.
We work with 200+ wholesale lenders, including several that specialize in Central Valley investor deals. Rates and guidelines differ enough that shopping them matters.
Visalia's rents relative to purchase prices often produce clean DSCR ratios. That's not always the case in coastal California, where rents rarely cover the mortgage.
Self-employed investors especially like DSCR here. You can own multiple Visalia rentals without your personal DTI blowing up — each property stands alone on its rent.
Conventional investor loans cap out at 10 financed properties and require full income documentation. DSCR skips both of those walls.
Hard money moves faster but costs more and has short terms. DSCR loans give you 30-year amortization — actual long-term financing, not a bridge.
Tulare County's rental market is driven by agriculture, healthcare, and a growing workforce population. Vacancy rates stay low because homeownership is out of reach for many locals.
That tenant base is what makes DSCR math work in Visalia. Steady occupancy means lenders see the rent as reliable — and that keeps your ratio solid.
Most lenders want a 1.0 ratio — rent equals or exceeds the monthly payment. Some go down to 0.75 with stronger credit or a larger down payment.
No. DSCR loans skip personal income documentation entirely. The property's rent is what qualifies you.
Yes. Most lenders accept a market rent appraisal from a licensed appraiser. You don't need a tenant in place at closing.
No hard cap like conventional loans. Non-QM lenders evaluate each property on its own merits — many investors hold five or more.
Yes, typically. Non-QM carries a rate premium. Rates vary by borrower profile and market conditions.
Entry prices are lower than coastal markets, and rental demand is steady. That combination produces DSCR ratios that many coastal deals can't match.