El Dorado Hills is one of the most sought-after communities in the Sacramento region, built into the oak-covered foothills of western El Dorado County just east of Folsom. We help buyers and homeowners here with everything from jumbo purchases in Serrano to refinances and home equity lines. DSCR loans have become the go-to financing for rental property investors in El Dorado Hills 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 El Dorado Hills: (916) 526-2700
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Home prices in El Dorado Hills run well above the regional average, so jumbo loans, larger down payments and careful structuring are common here. Buyers include executives, physicians and business owners, many of them self-employed, which makes flexible documentation and bank-statement options especially valuable. DSCR loans in El Dorado Hills 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 includes gated golf-course neighborhoods in Serrano, custom homes with views in Promontory and Ridgeview, established 1980s and 90s subdivisions off El Dorado Hills Boulevard, and newer construction in Blackstone and Heritage. 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 El Dorado Hills deal to the lender whose rules fit.
To price a DSCR loan on an El Dorado Hills property, call (916) 526-2700 or submit the address and rent through our application. We will calculate the ratio, compare lenders and send a written quote.
Our DSCR loans clients in El Dorado Hills come from Serrano, Blackstone, Promontory, Ridgeview and every other part of western El Dorado County. El Dorado Hills is about fifteen minutes up Highway 50 from our Gold River office.
For DSCR loans in El Dorado Hills, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: DSCR Loans · All loan options · Purchase · Refinance · Today's rates
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