North Highlands is an unincorporated Sacramento County community next to McClellan Park, the former Air Force base that is now one of the region's largest business parks. We help North Highlands buyers, homeowners and investors with FHA, VA, conventional and rental property financing. A DSCR loan in North Highlands qualifies an investment property on its debt service coverage ratio, the property's rent divided by its monthly payment, instead of the borrower's personal income. Pacific National Lending brokers DSCR loans through multiple lenders so North Highlands investors get competitive rates and flexible terms.
Call Pacific National Lending for DSCR loans in North Highlands: (916) 526-2700
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North Highlands is one of the most affordable communities in Sacramento County, which makes it a first stop for first-time buyers, FHA and VA borrowers and investors looking for rentals. Many homes date from the 1950s and 60s, so condition-related appraisal issues and renovation financing come up often. The DSCR is calculated by dividing the monthly rent by the full monthly payment, including principal, interest, taxes, insurance and HOA dues. A ratio of 1.0 means the rent exactly covers the payment; most lenders want 1.0 to 1.25, and some allow lower ratios on North Highlands properties with a larger down payment or higher rate.
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Housing is mostly single-family homes built between the 1950s and 1970s around Watt Avenue, Elkhorn Boulevard and Madison Avenue, with some 1980s and 90s subdivisions on the north side and duplexes and small multi-unit properties throughout. 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 North Highlands deal to the lender whose rules fit.
To price a DSCR loan on an North Highlands 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.
Pacific National Lending serves McClellan Park, Watt Avenue corridor, Elkhorn Boulevard, Larchmont and the rest of North Highlands for DSCR loans. North Highlands is about twenty-five minutes from our Gold River office.
Ready to talk about DSCR loans in North Highlands? 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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