DSCR loan rates in San Diego, CA
12 lenders fund investor-rental loans in CA. Estimated rates below use our benchmark scenario (75% LTV, 740 FICO, 1.25 DSCR, SFR).
Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.
Lowest est. rate
6.78%
to 7.53%
Median home value
$900.0K
Median rent
$3.1K/mo
Est. local DSCR
0.53
at 75% LTV
Lenders funding CA
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| KiaviLowestsample | 6.775% | 4.15 + 2.88 − 0.250 | $4,389 | View lender → |
| RCN Capitalsample | 7.025% | 4.15 + 3.00 − 0.125 | $4,502 | View lender → |
| Lima One Capitalsample | 7.025% | 4.15 + 3.00 − 0.125 | $4,502 | View lender → |
| LendingOnesample | 7.025% | 4.15 + 3.00 − 0.125 | $4,502 | View lender → |
| Visio Lendingsample | 7.150% | 4.15 + 3.13 − 0.125 | $4,559 | View lender → |
| Griffin Fundingsample | 7.150% | 4.15 + 3.13 − 0.125 | $4,559 | View lender → |
| OfferMarketsample | 7.150% | 4.15 + 3.13 − 0.125 | $4,559 | View lender → |
| Angel Oak Mortgage Solutionssample | 7.275% | 4.15 + 3.25 − 0.125 | $4,616 | View lender → |
| Easy Street Capitalsample | 7.275% | 4.15 + 3.25 − 0.125 | $4,616 | View lender → |
| Defy Mortgagesample | 7.275% | 4.15 + 3.25 − 0.125 | $4,616 | View lender → |
| New Silversample | 7.400% | 4.15 + 3.38 − 0.125 | $4,674 | View lender → |
| HomeAbroadsample | 7.525% | 4.15 + 3.50 − 0.125 | $4,731 | View lender → |
San Diego market context. With a median home value of $900,000 and median rent of $3,050/mo, a 75%-LTV investor purchase here implies an estimated DSCR of 0.53 at the lowest available estimated rate — a useful gut-check on whether a San Diegorental cash-flows at today’s pricing.
Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.