Sacramento is California's capital and the center of the region we serve from our Gold River office, about twenty minutes east on Highway 50. We finance homes across the city, from Midtown flats and Land Park bungalows to new construction in Natomas. A DSCR loan in Sacramento 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 Sacramento investors get competitive rates and flexible terms.
Call Pacific National Lending for DSCR loans in Sacramento: (916) 526-2700
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Sacramento's housing market is one of the most varied in Northern California: pre-war neighborhoods with tight inventory and multiple offers, established 1950s to 70s suburbs, and large newer subdivisions in North Natomas. That range means the right loan program depends heavily on the neighborhood, the property condition and the buyer's goals. DSCR loans in Sacramento 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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Expect Craftsman bungalows and Tudors in Midtown, East Sacramento, Land Park and Curtis Park, ranch homes in Tahoe Park, South Land Park and the Pocket, and 1990s-to-2020s homes across Natomas and North Natomas. Our DSCR loan process in Sacramento 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 in Sacramento usually carry a prepayment penalty of one to five years, and choosing a longer penalty period typically lowers the rate. We walk you through the options so the structure matches how long you plan to hold the property.
We help borrowers with DSCR loans throughout Sacramento, including Midtown, East Sacramento, Land Park, Curtis Park, and across the greater Sacramento area. Downtown Sacramento is about twenty minutes from our office, and we serve every Sacramento zip code.
For DSCR loans in Sacramento, 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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