Oakland DSCR Loans
Finance Oakland investment properties with no tax returns. From Jack London Square to the Oakland Hills, we fund rental properties across the East Bay's most dynamic city.
Why Oakland Investors Choose DSCR Loans
SF Alternative with Better Cash Flow
Lower prices than SF but similar rents. Better DSCR ratios and cash flow potential across Oakland neighborhoods.
Strong Tech & Creative Class Tenants
Tech workers, artists, and professionals priced out of SF. Stable, diverse tenant base with good income.
Multi-Family Opportunities
Oakland's 2-4 unit buildings offer excellent investment potential. Popular for house hacking and portfolio building.
Rapid Appreciation Area
Benefiting from SF spillover. Strong appreciation trends as Oakland becomes Bay Area's next hot market.
Oakland Real Estate Market Data 2025
Property Prices
Monthly Rents
Investment Metrics
Best Oakland Neighborhoods for DSCR Loans
Rockridge
Upscale, near BART, families
Temescal
Hip neighborhood, restaurants
Grand Lake
Lake Merritt, walkable
Jack London Square
Waterfront condos, urban
Montclair
Hills, views, premium area
Fruitvale
Best cash flow, BART access
Real Oakland DSCR Loan Example
Property Details
Loan Terms
✓ APPROVED - Artist/Creative, No Tax Returns Required
Self-employed creative qualified using property income only. Closed in 10 days.
Oakland DSCR Loan FAQs
Is Oakland a good market for rental properties?
Yes! Strong rental demand, good appreciation, and better cash flow than SF. Oakland benefits from Bay Area job growth.
Do you finance properties near BART stations?
Absolutely! BART-accessible properties have excellent rental demand. Popular with tenants commuting to SF for work.
Can I finance a duplex or triplex in Oakland?
Yes! We finance 2-4 unit properties. Perfect for house hacking or pure investment. Strong demand for multi-family in Oakland.
What about Oakland rent control laws?
We use market rent analysis rather than controlled rents for DSCR calculation, allowing many rent-controlled properties to qualify.
Are Oakland Hills properties eligible?
Yes! We finance throughout Oakland including Hills properties. Premium areas like Montclair and Rockridge welcome.
Ready to Finance Your Oakland Investment Property?
Get pre-approved in 24-48 hours. No tax returns required. Rates starting at 5.99%.