Longleaf Lending San Francisco California DSCR Loans

DSCR Loans in San Francisco California:
Modern Financing for Investors

Veteran-owned lender, offering investors DSCR Loans in San Francisco California for no-income-verification, hassle-free long-term financing.

Modern, long-term financing solutions

Why Choose Longleaf Lending for Your San Francisco California DSCR Loan Needs

Crafted with savvy San Francisco California investors in mind, our Long-Term DSCR Loans enable wealth building through a diverse portfolio of rental properties. By prioritizing your investment property's rental income and cash flow metrics, we simplify the loan process. As a top DSCR lender, enjoy competitive interest rates starting at 6.5%.

No Income Verification
Our no-income-verification process eliminates traditional barriers, focusing on your investment's cash flow to qualify you for a loan. This DSCR-centered approach ensures a hassle-free experience, catering specifically to real estate investors' unique needs.
Tailored to Investment Goals
Whether you're investing in short-term vacation rentals or long-term leases, our DSCR loans are crafted to align with your strategic investment plans. This versatility ensures that whatever your goals, our financing solutions fit perfectly.
Efficiency and Speed
At Longleaf Lending, we value your time. Our San Francisco California DSCR loan application and approval processes are optimized for efficiency, ensuring quick, smooth progress from your initial application to the final funding.
Adaptive Financing Solutions
Our financing options are as diverse as the properties you invest in. We're committed to offering flexible DSCR solutions that accommodate a wide range of property types and investor profiles.

Fast and simple

How Longleaf Lending's DSCR Loans Work

DSCR (Debt Service Coverage Ratio) loans are a type of financing used by real estate investors that focus on the income generated by the property rather than the personal income of the borrower. Here’s a simplified explanation:

The DSCR is calculated by dividing the property's Net Operating Income (NOI) by its total annual debt payments. NOI reflects the positive cash flow from the property after operating expenses (mortgage payment, taxes, and insurance) are subtracted.
Criteria for approval.
For San Francisco California, we typically require a DSCR greater than 1.0, indicating the investment property generates sufficient cash flow to cover its debt obligations. A common threshold is a DSCR of 1.0 to 1.2 or higher, but it is possible to go lower.
No personal income verification.
The approval process emphasizes the property’s cash flow potential, not the borrower's personal financial situation, allowing for more accessible financing for investors.
Craftsman house

DSCR Loan Terms

Get the financing you need to build wealth with real estate in San Francisco California using our DSCR long-term 30-year investor loans.

Terms current as of April 25, 2024

Long Term Rental Loan
Loan Value:
Up to 80% (as is)
Interest Rate:
Starting at 6.5%
30 years
Closing Time:
As fast as 2 weeks
600 minimum

DSCR Loan Requirements Simplified

Understand DSCR Loan San Francisco California Requirements

Securing a DSCR Loan in San Francisco California involves a focused evaluation of your experience, liquidity, credit score, and investment property's income potential. Here's a summary of the current requirements you should know before applying for a DSCR Loan in San Francisco California:

DSCR Calculation:
Minimum of 0.65x
Credit Score:
600 minimum
Loan Amount:
$75,000 to $3 million
Investor Experience:
none required
US Citizenship:
not required
Some of the key required documents include personal ID, bank statements, entity documentation if using a company (operating agreement, EIN letter, articles of incorporation), lease agreement (if currently leased), appraisal (requrested by us), and the purchase HUD (if purchased in the last 12 months).
Short or long-term rentals, vacant or occupied
Property Type:
SFR, 2-4 units, multifamily 5+ units, mixed use, or commercial
DSCR Loan San Francisco California requirements

Designed for San Francisco California investors

Build wealth through real estate with our DSCR Loans in San Francisco California

San Francisco California's Real Estate Potential: Ideal for 30-Year Rental and Long-Term DSCR Loans

San Francisco California long term rental property loans

San Francisco, California, renowned for its iconic landmarks, technological innovation, and vibrant cultural scene, stands as a premier destination for real estate investment. Nestled at the heart of the Bay Area, San Francisco's economy is buoyed by sectors such as technology, finance, and tourism, drawing a diverse and highly skilled workforce.

Despite its high cost of living, the city's allure remains undiminished, offering lucrative opportunities for those looking to invest in a dynamic and competitive real estate market.

Why DSCR Loans Are Ideal for San Francisco's Real Estate Market

  • Tech Industry Epicenter: The concentration of tech companies and startups fuels a high demand for both residential and commercial real estate, catering to the tech workforce and the businesses that support them.
  • High Rental Demand: San Francisco's status as a global city attracts a diverse population, maintaining a strong demand for rental properties, particularly in tech-centric neighborhoods.
  • Limited Housing Supply: The city's geographical constraints and strict zoning regulations limit new construction, creating a competitive environment that can drive property values and rental rates higher.

Strategic Advantages of Investing in San Francisco

  • Premium Property Values: The city's real estate market is known for its premium property values, offering significant potential for capital appreciation over time.
  • Diverse Tenant Base: San Francisco's diverse economy attracts a wide range of tenants, from tech professionals and entrepreneurs to artists and academics, ensuring a broad market for rental investments.
  • Global Appeal: The city's international appeal, driven by its cultural significance, economic opportunities, and natural beauty, makes it a magnet for both domestic and international investors.

Leveraging San Francisco's Real Estate Market with DSCR Loans

DSCR loans in San Francisco enable investors to navigate the city’s highly competitive market through:
  • High-value Investment Opportunities: The demand for housing and commercial spaces in proximity to tech companies and cultural amenities offers high-value investment opportunities.
  • Efficient Market Entry and Expansion: The efficiency of DSCR loans facilitates quick market entry and portfolio expansion, crucial in San Francisco's fast-paced real estate environment.
San Francisco's position as a global hub of technology, culture, and finance presents a dynamic opportunity for real estate investors. DSCR loans provide the strategic financing needed to effectively explore this high-demand market, offering a tailored approach that aligns with the sophisticated investment strategies of today's real estate investors.

Whether targeting luxury residential properties, commercial spaces in the Financial District, or innovative mixed-use developments, DSCR loans in San Francisco offer a foundation for success in one of the world's most coveted real estate markets.

San Francisco California DSCR Loan frequently asked questions

How is DSCR Calculated in San Francisco California?

How is DSCR calculated in San Francisco California?

In San Francisco California, the Debt Service Coverage Ration (DSCR) is calculated by dividing a property's rental income by it's expenses. In some cases another method could be used which involves dividing Net Operating Income (NOI) by the Debt Service.

Income: For simplicty purposes, you can think about the top line as the annual rental income for your investment property. In some cases a 90% factor might be applied.

Expenses: There are four main components of the expenses.

  • Principal and Interest
  • Taxes
  • Insurance
  • HOA fees

Here's an example so you can see exactly how DSCR is calculated. To keep things easy, we are assuming there is no principal payment, which you might expect with an interest only period. To learn more about how DSCR loans work, check out our detailed article.

How is DSCR calculated in San Francisco California?

About the Longleaf Lending Team

Longleaf Lending is a veteran-owned, direct lending firm with a deep focus on the real estate market. Established in Texas, we bring over two decades of combined experience in real estate, hard money lending, and investment banking.

Funding Experience

Since 2018, we have funded over 600 hard money loans, totaling more than $125 million in loan value.

Expert Leadership

Our leadership includes co-founders Pete Underwood and Matt Weidert, who bring extensive experience from real estate investment, investment banking, and military service.

Commitment to Innovation

We are committed to providing innovative real estate solutions, with a strong focus on integrity and professionalism as a member of the American Association of Private Lenders.

For more about our journey and the dedicated team behind Longleaf Lending, visit our full About Us page.

Submit your San Francisco California loan request today

Start your DSCR Loan funding today

Ready to propel your San Francisco California rental project forward? Our simple loan request process is designed to get you the funding you need quickly and efficiently.

How the DSCR funding process works with Longleaf Lending

Submit our Online Form

Begin by filling out our short form. It's straightforward and only takes a minute. Provide us with some basic information about you and your project.

Get a Term Sheet in less than 24 Hours

After submitting your form, you'll receive a detailed term sheet from us within 24 hours. This term sheet will outline the terms of your loan and give you the confidence to proceed with your project.

Get Funded

Experience fast and straightforward funding. At Longleaf Lending, you'll work directly with our team throughout the entire process, from application to funding.

Applying does not affect your credit score

Apply for a San Francisco California DSCR Loan in 60 Seconds

Begin the funding process by completing our short online form.