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Home/Locations/California/Sacramento
Sacramento County

Sacramento DSCR Loans

California's Capital - Best Cash Flow Investment Market

Lower prices, higher yields, strong appreciation. Rates from 5.99% • Close in 10-15 days

Get Free Rate Quote(949) 339-3555
$525K
Avg Property Price
6.1%
Rental Yield
1.35
Avg DSCR Ratio
$2,200
Median Rent

Sacramento DSCR Loans: Market Overview

Sacramento offers California's best cash flow opportunities with property values averaging just $525K—nearly half of LA or SF. As the state capital, Sacramento provides stable government employment, growing tech sector, and consistent rental demand from 2.4 million metro residents.

DSCR loans are perfect for Sacramento investors because the lower property prices combined with solid rents ($2,200 median) produce excellent DSCR ratios (1.35 average). Whether you're targeting Midtown multi-families, Natomas single-families, or Elk Grove new construction, Sacramento delivers cash flow from day one.

Top Investment Neighborhoods in Sacramento

Midtown

Avg Price
$585K
Yield
5.8%

Urban core, walkable, young professionals, strong appreciation

Natomas

Avg Price
$495K
Yield
6.3%

Newer homes, families, excellent cash flow, near airport

Elk Grove

Avg Price
$525K
Yield
6.0%

Master-planned, good schools, family rentals, stable market

Land Park

Avg Price
$625K
Yield
5.5%

Established neighborhood, parks, premium rentals

Pocket-Greenhaven

Avg Price
$545K
Yield
5.9%

Riverside location, quiet, family-oriented, stable

Rancho Cordova

Avg Price
$465K
Yield
6.5%

Best cash flow, job growth, affordable entry point

Why Sacramento is Perfect for DSCR Loans

Best Cash Flow in CA

Average 6.1% yields—highest in major CA markets. Lower prices mean better DSCR ratios and positive cash flow from day one.

Strong Appreciation

Sacramento has appreciated 8-10% annually over the past 5 years. Bay Area exodus drives demand and price growth.

Stable Government Jobs

State capital provides recession-resistant employment. 250K+ government workers create consistent rental demand.

Lower Entry Costs

At $525K average, Sacramento allows portfolio scaling. Buy 2 Sacramento properties for the price of 1 SF property.

Sacramento 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
  • Excellent DSCR ratios typical in Sacramento

NOT Required

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

Sacramento: The Cash Flow King

Sacramento consistently delivers the best cash flow in California. With average DSCR ratios of 1.35 and yields exceeding 6%, Sacramento properties often cash flow $500-800/month from day one. Perfect for building passive income and scaling your portfolio quickly.

$500+
Avg Monthly Cash Flow
1.35
Avg DSCR Ratio
6.1%
Avg Rental Yield

Ready to Finance Your Sacramento Investment Property?

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

Get Started NowView CA DSCR Guide