Daly City borders San Francisco at the top of the Peninsula, known for the rows of pastel mid-century homes in Westlake, two BART stations and quick access to I-280 and Highway 1. We help Daly City buyers and homeowners with high-balance and jumbo purchase loans, FHA and VA financing, refinances and equity lines. DSCR loans have become the go-to financing for rental property investors in Daly City because they skip tax returns, employment verification and debt-to-income calculations entirely. If the rent covers the payment, the deal can work, and Pacific National Lending makes the process straightforward.
Call Pacific National Lending for DSCR loans in Daly City: (916) 526-2700
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Daly City gives buyers a San Francisco-adjacent address at lower prices than the city itself, and many purchases involve multigenerational households pooling income, gift funds or family co-borrowers. Loan amounts usually land in high-balance conforming or jumbo range, and homes with in-law units need a lender who knows how appraisers and underwriters treat them. DSCR loans in Daly City typically require 20 to 25 percent down on purchases, credit scores in the mid-600s or higher for the best pricing, and a few months of reserves. Rates depend on the ratio, the credit score, the loan-to-value and the prepayment penalty you choose.
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Housing is mostly 1940s to 60s single-family homes built close together in Westlake, Serramonte, St. Francis Heights and the Crocker and Hillside neighborhoods, with condos and townhomes near Serramonte and a few newer infill developments. Our DSCR loan process in Daly City is efficient: an application, credit, asset statements, the property's rent and an appraisal. There are no tax returns or employment calls, and most DSCR loans close in about three weeks for purchases or refinances.
DSCR loans can finance single-family rentals, 2-to-4-unit properties, condos, townhomes and, with some lenders, 5-to-10-unit buildings and mixed-use properties in Daly City. Foreign national and first-time investor programs are also available.
We help borrowers with DSCR loans throughout Daly City, including Westlake, Serramonte, St. Francis Heights, Crocker, and across the northern Peninsula. Daly City is roughly two hours from our Gold River office, and we handle Peninsula loans entirely by phone, email and e-signature.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for DSCR loans in Daly City.
Apply HereLearn more about the program itself: DSCR Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "View from San Bruno Mountain State Park to Southern Hills and 280 freeway" by Tim Adams, CC BY 3.0.
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