San Francisco Investor Loans
DSCR Loans in San Francisco
Finance SF investment property with DSCR underwriting — the property’s rental cash flow supports the loan review. Up to 80% LTV at qualifying tiers, credit scores from 640, and property-specific loan limits.
San Francisco DSCR realities
Cash-flow is tight at max LTV
Use the actual property’s lease or appraisal-supported rent and full housing costs. A larger down payment can reduce debt service, but the property-specific ratio should determine the financing review.
Multi-unit is the move
2–4 unit buildings — Mission, Bernal Heights, Outer Sunset — DSCR pencils far better than single-family. Combined rental income lifts the ratio.
Condos are eligible
Warrantable and non-warrantable SF condos qualify. Pacific Heights, SoMa, Mission Bay — all eligible under DSCR subject to condo project review and the applicable DSCR matrix.
STR (Airbnb) restrictions
Verify San Francisco registration, owner-occupancy and operating restrictions with the city before assuming an investment property can be used for short-term rentals.
San Francisco DSCR — FAQs
Can I get a DSCR loan in San Francisco?
Yes. Total Quality Lending finances DSCR investor loans throughout San Francisco — single-family, condos, and 2–4 unit multi-family. LTV and loan size follow the applicable credit, DSCR, property and transaction tier; California has no blanket $2 million DSCR loan cap in the published program.
What's the LTV cap on SF investment property?
Standard DSCR offers up to 80% purchase LTV and loans up to $3.5 million at qualifying tiers. Credit, loan size, rent coverage and property restrictions can reduce the limit. An appraised declining market limits purchase to 75% and refinance to 70%.
Do SF properties cash-flow at 75% LTV?
Cash flow depends on the property’s supported rent, price, insurance, taxes and payment. Calculate several loan amounts rather than assuming every San Francisco property needs the same down payment.
Can I finance a duplex or triplex in San Francisco with DSCR?
Yes. 2–4 unit properties are eligible under standard DSCR. Combined rental income from all units counts toward the DSCR ratio — this usually makes SF multi-unit pencil better than single-family.
Is an Airbnb in SF eligible for DSCR financing?
Confirm current San Francisco short-term rental registration and occupancy requirements before using STR income in a financing plan. Standard DSCR is investment only; an owner-occupied property requires a different program.
