California's #1 Cash Flow Market for Real Estate Investors
DSCR ratios of 1.30-1.48 • Entry from $420K • Rates from 5.99%
The Inland Empire (Riverside and San Bernardino Counties) offers the highest cash flow returns in California. With DSCR ratios consistently above 1.30, investors can achieve positive cash flow from day one while building long-term equity through steady 5-7% annual appreciation.
What makes the IE special: As LA and Orange County prices soar past $1M, families and investors flock to the Inland Empire for affordability. This creates exceptional rental demand—4.7 million residents need housing, and homeownership remains out of reach for many, keeping vacancy rates below 3%.
DSCR loans are perfect for the Inland Empire because strong rent-to-price ratios mean your property income easily covers the mortgage. No need to prove personal income—the numbers speak for themselves.
DSCR ratios of 1.30-1.48 mean strong positive cash flow from day one
Benefiting from LA/OC spillover as investors seek affordability
Massive rental demand from families and workers priced out of LA/OC
SFRs, duplexes, condos, townhomes - all with strong rental demand
Lower down payments (20% = $84K-$150K) compared to coastal markets
Consistent tenant demand keeps properties rented year-round
The Inland Empire offers diverse submarkets from value plays to premium suburbs. All share one thing: strong cash flow potential.
| Neighborhood | Type | Median Price | Median Rent | DSCR | Yield | Highlight |
|---|---|---|---|---|---|---|
| Riverside | City Center | $550K | $2,500 | 1.35 | 0.55% | University demand |
| Corona | Family Suburb | $680K | $3,000 | 1.30 | 0.53% | Premium rentals |
| Moreno Valley | Value Market | $480K | $2,300 | 1.42 | 0.58% | Highest cash flow |
| Temecula | Wine Country | $720K | $3,200 | 1.28 | 0.53% | Strong appreciation |
| Rancho Cucamonga | Upper Middle | $750K | $3,400 | 1.32 | 0.54% | Low vacancy |
| San Bernardino | Value Play | $420K | $2,100 | 1.48 | 0.60% | Deep value |
*Data based on 3BR single-family homes with 20% down at 7.0% interest. Updated Q1 2025.
See actual numbers from a recent Corona investment property
Approved with DSCR loan • No tax returns required • Closed in 14 days • Investor now owns cash-flowing asset building $3K+/month in equity
Get pre-approved for DSCR financing and start building your cash-flowing IE portfolio today.
Serving Riverside • Corona • Moreno Valley • Temecula • Rancho Cucamonga • San Bernardino • All IE Cities