San Francisco DSCR Loans
Finance San Francisco investment properties with no tax returns. From SOMA to Sunset District, we fund high-value Bay Area rental properties with rates starting at 5.99%.
Why San Francisco Investors Choose DSCR Loans
Perfect for Tech Professionals
SF tech workers with stock options, RSUs, and complex compensation qualify without explaining non-W-2 income structures.
Handle SF's Premium Prices
Loan amounts up to $30M. Finance properties from Excelsior District apartments to Pacific Heights mansions.
No California Tax Return Hassles
High earners with aggressive tax strategies qualify without sharing sensitive financial documents.
Multi-Unit Buildings Welcome
Finance 2-4 unit buildings throughout SF. Popular for Richmond, Sunset, and Mission District multi-families.
San Francisco Real Estate Market Data 2025
Property Prices
Monthly Rents
Investment Metrics
Best San Francisco Neighborhoods for DSCR Loans
Mission District
Strong rental demand, diverse tenants
Sunset District
Family-friendly, stable market
Richmond District
Near GG Park, excellent schools
SOMA
Tech professionals, high demand
Marina District
Premium rents, waterfront
Excelsior
Best cash flow in SF
Real San Francisco DSCR Loan Example
Property Details
Loan Terms
✓ APPROVED - Tech Executive, No Tax Returns Required
Borrower with RSU/stock compensation qualified without complex income documentation. Closed in 9 days.
San Francisco DSCR Loan FAQs
Can I finance rent-controlled properties in San Francisco?
Yes. We use market rent analysis rather than artificially low rent-controlled amounts. This allows many SF properties to qualify despite rent control.
Do you finance TICs (Tenancy in Common) in San Francisco?
Yes! We finance TICs throughout SF. Popular for multi-unit buildings where each unit is separately financed.
What about properties with ADUs (In-Law units)?
Absolutely. ADU rental income can be included in DSCR calculation, improving qualification and cash flow.
Can tech employees with stock options qualify?
Yes! DSCR loans don't require documenting RSUs, stock options, or complex tech compensation. Only property income matters.
Do you finance properties in all SF neighborhoods?
Yes, we finance throughout San Francisco including Tenderloin, Bayview, and emerging neighborhoods. No redlining.
What's the maximum loan amount for SF properties?
Up to $30M. Perfect for high-value SF properties and multi-unit buildings. We specialize in jumbo DSCR loans.
Ready to Finance Your San Francisco Investment Property?
Get pre-approved in 24-48 hours. No tax returns required. Loans from $75K to $30M.