San Jose DSCR Loans
Finance Silicon Valley investment properties with no tax returns. From Willow Glen to Almaden Valley, we fund rental properties in the heart of tech innovation.
Why San Jose Investors Choose DSCR Loans
Ideal for Silicon Valley Tech Workers
Engineers, product managers, and founders with RSUs, stock options, and startup equity qualify without complex income verification.
Handle High Silicon Valley Prices
Loan amounts from $75K to $30M. Finance everything from East San Jose condos to Willow Glen estates.
Strong Tech Tenant Base
San Jose tenants work at Apple, Google, Meta, Adobe, Cisco. Stable, high-income renters with low vacancy rates.
Fast Closings for Hot Market
Close in 7-14 days. Compete in Silicon Valley's competitive market where multiple offers are standard.
San Jose Real Estate Market Data 2025
Property Prices
Monthly Rents
Investment Metrics
Best San Jose Neighborhoods for DSCR Loans
Willow Glen
Premium area, stable families
Almaden Valley
Top schools, high demand
Evergreen
Growing area, tech workers
Downtown San Jose
Condos, young professionals
Silver Creek
Good schools, families
Berryessa
Best cash flow potential
Real San Jose DSCR Loan Example
Property Details
Loan Terms
✓ APPROVED - Software Engineer, No Tax Returns Required
Borrower with stock options and RSUs qualified without documenting tech compensation. Closed in 11 days.
San Jose DSCR Loan FAQs
Can I qualify if most of my income is from stock options and RSUs?
Yes! DSCR loans don't require documenting stock compensation, RSUs, or options. Common for Silicon Valley tech workers.
Do you finance properties near major tech campuses?
Absolutely. Properties near Apple, Google, Meta, Adobe, Cisco, and other tech campuses are highly desirable. Strong tenant demand.
Can I finance a property in San Jose while living out of state?
Yes! Many Silicon Valley investors live elsewhere. DSCR loans are perfect for out-of-state investors.
What about condos in downtown San Jose?
Yes, we finance condos, townhomes, and single-family homes. Popular for downtown units near VTA light rail and SAP Center.
How do you handle San Jose's high property prices?
Loan amounts up to $30M. We specialize in jumbo DSCR loans for Silicon Valley's high-value properties.
Can startups founders with equity qualify?
Yes! Founders with illiquid startup equity qualify based solely on property income. No need to document company value.
Ready to Finance Your San Jose Investment Property?
Get pre-approved in 24-48 hours. Perfect for Silicon Valley tech professionals. No tax returns required.