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Home/Locations/California/San Diego
San Diego County

San Diego DSCR Loans

Coastal Investment Property Financing for America's Finest City

Military housing, vacation rentals, and strong rental demand. Rates from 5.99% • Close in 10-15 days

Get Free Rate Quote(949) 339-3555
$795K
Avg Property Price
5.2%
Rental Yield
1.22
Avg DSCR Ratio
$3,200
Median Rent

San Diego DSCR Loans: Market Overview

San Diego County offers unique investment opportunities driven by military housing demand, biotech job growth, and year-round tourism. With 3.3 million residents and a median rent of $3,200, San Diego's rental market combines stability with appreciation potential.

DSCR loans are ideal for San Diego investors because they allow qualification based on rental income—critical for military housing, vacation rentals, and multi-family properties. Whether you're targeting Pacific Beach vacation rentals, Mira Mesa single-families, or North Park multi-families, DSCR financing removes personal income barriers.

Top Investment Neighborhoods in San Diego

Pacific Beach

Avg Price
$825K
Yield
6.5%

Vacation rentals, beach proximity, high STR income potential

North Park

Avg Price
$685K
Yield
5.4%

Urban core, walkable, young professionals, strong appreciation

Mira Mesa

Avg Price
$695K
Yield
5.3%

Military families, tech workers, stable rental demand

Chula Vista

Avg Price
$625K
Yield
5.6%

South Bay growth, affordable entry, strong cash flow

La Mesa

Avg Price
$715K
Yield
5.1%

East County, family-friendly, good schools, stable market

Ocean Beach

Avg Price
$895K
Yield
5.8%

Beach community, vacation rentals, bohemian vibe

Why San Diego is Perfect for DSCR Loans

Military Housing Demand

Multiple military bases create consistent rental demand. Military families need housing year-round.

Vacation Rental Market

Coastal location drives strong STR income. Beach communities command premium nightly rates.

Biotech Job Growth

Thriving biotech industry attracts high-income renters. Torrey Pines/Sorrento Valley expansion.

Strong Rental Yields

Average 5.2% yields with appreciation potential. Better cash flow than LA or SF.

San Diego 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
  • Vacation rentals eligible (STR)

NOT Required

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

Ready to Finance Your San Diego Investment Property?

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

Get Started NowView CA DSCR Guide