South Bay Investor Loans
DSCR Loans in San Jose
Finance San Jose investment property with DSCR underwriting. Single-family, condo, and 2–4 unit eligible. Up to 75% LTV, loans to $2M, 15-day closings.
San Jose DSCR — FAQs
Can I get a DSCR loan in San Jose?
Yes. Total Quality Lending finances DSCR investor loans across San Jose and the South Bay. California state overlay applies: max 75% LTV on purchase, $2M loan cap. Single-family, condo, and 2–4 unit eligible.
What's the rental cash-flow picture in San Jose?
San Jose rents (median ~$2,800 1BR, ~$3,500 2BR) are below Silicon Valley peaks but property prices are also lower. DSCR ratios typically work better in East San Jose / Berryessa than in Willow Glen / Cambrian.
Are San Jose condos eligible for DSCR?
Yes. Warrantable and most non-warrantable condos qualify. Newer downtown San Jose condos with high HOA fees may need extra DSCR cushion — we'll model the numbers up front.
Can I buy a rental in San Jose's top school districts (Cupertino, Almaden)?
Yes. These properties typically appreciate strongly but cash-flow tight. Plan for 30–35%+ down to bring DSCR to 1.00+.