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Home/Locations/California/San Francisco
San Francisco Bay Area

San Francisco DSCR Loans

Tech Hub Investment Property Financing with Premium Appreciation

Highest rents in California, tech-driven demand. Rates from 5.99% • Close in 10-15 days

Get Free Rate Quote(949) 339-3555
$1.43M
Avg Property Price
3.9%
Rental Yield
1.08
Avg DSCR Ratio
$4,650
Median Rent

San Francisco DSCR Loans: Market Overview

San Francisco and the Bay Area represent California's highest-appreciation market, driven by tech industry dominance and limited housing supply. With median rents exceeding $4,650 and property values averaging $1.43M, SF is an appreciation-focused investment market.

DSCR loans are essential for SF investors because high property values make traditional financing challenging. Whether you're targeting Mission District multi-families, SOMA condos, or Sunset District single-families, DSCR financing allows qualification based on SF's premium rental income rather than personal income.

Top Investment Neighborhoods in San Francisco

Mission District

Avg Price
$1.25M
Yield
4.2%

Urban core, walkable, diverse, strong rental demand from tech workers

Sunset District

Avg Price
$1.35M
Yield
3.8%

Residential, family-friendly, near ocean, stable long-term appreciation

Richmond District

Avg Price
$1.28M
Yield
3.9%

Quiet residential, good schools, Asian cultural hub, stable market

SOMA

Avg Price
$1.55M
Yield
3.6%

Tech epicenter, condos, young professionals, highest appreciation

Noe Valley

Avg Price
$1.65M
Yield
3.5%

Premium family neighborhood, excellent schools, low vacancy

Outer Sunset

Avg Price
$1.15M
Yield
4.1%

Best value in SF, beach access, emerging neighborhood

Why San Francisco is Perfect for DSCR Loans

Tech Industry Dominance

Google, Meta, Salesforce, and thousands of startups create massive rental demand from high-income tech workers.

Strongest Appreciation

SF has outpaced national appreciation by 3-5% annually. Long-term wealth building through equity growth.

Highest Rents in CA

Median rent $4,650. Premium rents support DSCR ratios even with high purchase prices.

Limited Supply

Geographic constraints and strict zoning create permanent supply shortage. Demand always exceeds supply.

San Francisco 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
  • Jumbo loans available for high-value properties

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 Francisco Investment Property?

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

Get Started NowView CA DSCR Guide