California DSCR Loan Calculator
Screen a California rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for California; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
California DSCR assumptions
The calculator seeds California with a starting property value of $790,000.00, starting rent of $2,050.00, annual property tax based on a 0.7% effective rate, and estimated annual insurance of $3,561.00.
STR note: Extremely varied and restrictive in major cities — LA requires primary residency and host registration (no investor STRs). San Francisco similarly restrictive. Palm Springs relatively permissive. One of the most active STR regulatory environments in the U.S. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Inland Empire (Riverside/San Bernardino — more affordable, logistics-driven). Sacramento/Central Valley (more cash-flow-friendly than coastal). Fresno (affordable cash flow, medical/ag economy). San Diego (appreciation-driven, strong demand fundamentals). Bakersfield (highest cash flow ratios in CA).
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