Davis is Yolo County's university town, home to UC Davis and one of the tightest housing markets in the Sacramento region. We help Davis buyers, homeowners and investors with purchase loans, refinances and rental property financing. DSCR loans have become the go-to financing for rental property investors in Davis 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 Davis: (916) 526-2700
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Inventory in Davis is chronically limited and prices run well above the county average, so buyers need strong pre-approvals and often jumbo or high-balance financing. The university also creates steady demand for investment properties and parent-assisted purchases for students. Rent for a DSCR loan on an Davis property is established by the existing lease or the appraiser's market rent analysis, and some lenders use documented short-term rental income. Properties can be vested in an LLC, and 30-year fixed, adjustable and interest-only structures are available.
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Housing includes 1950s to 70s homes in Old North and Central Davis, planned neighborhoods in South and West Davis, the Village Homes community, condos and townhomes near campus, and newer homes in North Davis and the Cannery. Because DSCR guidelines vary by lender, brokering matters. One lender may cap the number of properties or refuse short-term rentals while another welcomes them, and we match each Davis deal to the lender whose rules fit.
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 Davis. Foreign national and first-time investor programs are also available.
We help borrowers with DSCR loans throughout Davis, including Downtown Davis, Old North Davis, Village Homes, South Davis, and across Yolo County. Davis is about forty minutes from our Gold River office via I-80, and most Davis clients work with us by phone and secure e-signature.
Ready to talk about DSCR loans in Davis? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: DSCR Loans · All loan options · Purchase · Refinance · Today's rates
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