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Camarillo sits between LA and Santa Barbara — strong rental demand, stable tenants, and less volatility than coastal LA County.
Ventura County's rental market attracts buy-and-hold investors. DSCR loans are built for exactly this strategy.
620
Min Credit Score
1.0
Min DSCR Ratio
20–25%
Down Payment
None (property-based)
Income Docs Required
21–30 days
Typical Close Time
DSCR Loans in Camarillo
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. A ratio above 1.25 gets you better rates and terms. Below 1.0 is still possible with some lenders — expect tighter pricing.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Camarillo.
Camarillo sits between LA and Santa Barbara — strong rental demand, stable tenants, and less volatility than coastal LA County.
Ventura County's rental market attracts buy-and-hold investors. DSCR loans are built for exactly this strategy.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment.
DSCR is a non-QM product — you won't find it at your local bank. Wholesale lenders price it very differently from each other.
We work with 200+ wholesale lenders. On DSCR deals, that spread matters. One lender's rate can be 50-75 basis points higher than another's for the same file.
The number one mistake investors make: they calculate DSCR using projected rent, not market rent. Lenders use an appraiser's rent schedule — not your estimate.
Short-term rentals like Airbnb are trickier. Some lenders cap income at 70% of gross STR revenue. Get your rental strategy straight before you apply.
Bank Statement loans also skip W-2s — but they qualify on your personal deposits, not property income. Better fit if you want to scale without tying approvals to each property.
Hard Money moves faster but costs more. DSCR gives you 30-year fixed options. Hard Money is a 12-month bridge — not a long-term hold strategy.
Camarillo's single-family rentals and smaller multifamily units tend to pencil well for DSCR. The rent-to-price ratio is more favorable here than in coastal LA markets.
Ventura County has no county-level rent control on single-family homes as of April 2026. That keeps investor cash flow projections more predictable for lenders.
Most lenders require 1.0 or above. A ratio of 1.25+ gives you access to better rates and lower down payment requirements.
Yes, but lenders typically discount STR income. Expect some lenders to use only 70% of gross Airbnb revenue in their calculations.
No license is required for borrowers. Your broker handles the lender relationships — you just need to own or be purchasing the investment property.
Typically 20-25% down. Some lenders allow 15% down with stronger DSCR and credit scores above 700.
Yes. DSCR cash-out refinances are common. The property's rental income still drives approval — your personal tax returns don't factor in.
Most DSCR loans close in 21-30 days. It depends on appraisal turnaround and how clean your property documentation is.