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Home/Locations/California/Orange County
Orange County

Orange County DSCR Loans

Premium Coastal Investment Property Financing in Southern California

Irvine, Newport Beach, Anaheim - diverse opportunities. Rates from 5.99% • Close in 10-15 days

Get Free Rate Quote(949) 339-3555
$955K
Avg Property Price
4.5%
Rental Yield
1.18
Avg DSCR Ratio
$3,200
Median Rent

Orange County DSCR Loans: Market Overview

Orange County offers premium coastal living combined with strong job markets and excellent schools. With 3.2 million residents and property values averaging $955K, OC balances appreciation potential with solid rental yields.

DSCR loans are ideal for OC investors because they allow qualification based on rental income—critical in a market with diverse property types from Irvine master-planned communities to Newport Beach luxury rentals to Anaheim multi-families. Our Orange County headquarters gives us deep local market knowledge.

Top Investment Neighborhoods in Orange County

Irvine

Avg Price
$1.05M
Yield
4.2%

Master-planned, excellent schools, tech jobs, stable appreciation

Anaheim

Avg Price
$785K
Yield
5.1%

Best cash flow in OC, Disneyland proximity, diverse property types

Santa Ana

Avg Price
$695K
Yield
5.4%

Urban core, gentrifying, strong rental demand, best value

Huntington Beach

Avg Price
$1.15M
Yield
4.0%

Beach city, vacation rental potential, premium market

Costa Mesa

Avg Price
$925K
Yield
4.6%

Central location, South Coast Plaza, young professionals

Fullerton

Avg Price
$825K
Yield
4.8%

College town, stable rentals, good schools, family market

Why Orange County is Perfect for DSCR Loans

Diverse Property Types

From $700K condos to $2M+ single-families. Coastal, inland, urban, suburban—every investment strategy works in OC.

Consistent Appreciation

OC has appreciated 6-7% annually over 20 years. Premium location with limited supply drives long-term value.

Strong Job Markets

Tech (Irvine), healthcare, tourism (Disneyland), and professional services create diverse, stable employment.

Premium Rents

Median rent $3,200. High-quality schools and lifestyle command premium rental rates across all cities.

Orange County DSCR Loan Requirements

Basic Requirements

  • 640+ credit score (720+ for best rates)
  • 20-25% down payment
  • Property must be investment (not primary)
  • DSCR ratio 0.75+ (1.0+ preferred)
  • Loan amounts: $75K - $3M
  • All OC cities eligible

NOT Required

  • ✗
    Tax returns or 1040s
  • ✗
    W-2 forms or pay stubs
  • ✗
    Employment verification
  • ✗
    Personal income documentation
  • ✗
    Debt-to-income calculations
Local Advantage

We're Based in Orange County

Our headquarters is in Southern California (Orange County). We have deep local market knowledge, relationships with OC appraisers and title companies, and understand the unique dynamics of each OC city. This means faster closings and better service for Orange County investors.

Ready to Finance Your Orange County Investment Property?

Get pre-approved in 24-48 hours. No tax returns required.

Get Started NowView CA DSCR Guide