DSCR Loans in Alameda County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 210 lenders made 1,668 investment-property loans in Alameda County, 3.1% of California's total. Dominick Prevete arranges DSCR loans across Alameda County, California, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $550,000.
Alameda County investor market at a glance
| Statistic | Alameda County | California | County rank |
|---|---|---|---|
| Investor loans | 1,668 | 54,410 | 8th of 39 |
| Reporting lenders | 210 | 630 | 7th of 39 |
| Loan volume | $1.11B | $37.12B | 7th of 39 |
| Average loan | $668K | $682K | 11th of 39 |
| Median loan | $615K | $485K | 7th of 39 |
| Purchases | 48.6% | 51.1% | 27th of 39 |
| Cash-out refinances | 23.5% | 25.6% | 24th of 39 |
| 2–4 unit properties | 24.2% | 16.6% | 3rd of 39 |
| Top five lenders' share | 29.2% | 23.2% | 22nd of 39 |
| Reported business-purpose | 72.1% | 71.2% | 15th of 39 |
Alameda County: closed-end loans on 1–4 unit investment properties. Alameda County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Alameda County's investor loans.
What stands out in Alameda County
24.2% of Alameda County's investor loans financed a 2–4 unit property, the 3rd-highest share of California's 39 counties with published data (statewide: 16.6%).
2–4 unit properties are a larger share here than in most of California. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The median investor loan in Alameda County was $615K, the 7th-highest median of California's 39 counties with published data (statewide: $485K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Alameda County?
At HUD's fair market rent of $3,592 for a 3-bedroom in Alameda County, California, a rental covers its full DSCR payment up to a purchase price of about $550,000, with 20% down at the 7.25% starting rate (November 2026). Alameda County's median home value is $1,090,100; at that price the payment is $7,109 a month, so the property would need $7,125 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,805 / $3,592 / $4,250 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $1,090,100 |
| Median property taxes and effective rate | $8,474 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $7,109 |
| Rent needed to cover that payment | $7,125 |
| Coverage of a 3-bedroom at fair market rent | 0.51 |
| Highest price a 3-bedroom at fair market rent covers | about $550,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $860,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Alameda County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Alameda County?
The most active investment-property lenders in Alameda County in 2025 HMDA data were Kiavi Funding, Inc.; CONVENTUS LLC; and Rocket Mortgage, LLC, out of 210 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Alameda County, and matches each file to the one most likely to fund it.
Alameda County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,668 loans and $1.11B from 210 lenders. Kiavi Funding, Inc. led Alameda County with 139 loans, 8.3% of the county's total, and the average Alameda County loan of $668K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 139 | $125.0M | $900K | 95.7% |
| CONVENTUS LLC | 123 | $105.2M | $856K | 75.6% |
| Rocket Mortgage, LLC | 96 | $62.3M | $649K | 44.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 70 | $37.1M | $530K | 35.7% |
| THE LOAN STORE, INC. | 59 | $30.9M | $524K | 35.6% |
| General Mortgage Capital Corporation | 44 | $26.6M | $604K | 38.6% |
| JPMorgan Chase Bank, National Association | 43 | $31.5M | $733K | 44.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | $26.7M | $622K | 69.8% |
| U.S. Bank National Association | 40 | $29.5M | $739K | 37.5% |
| PENNYMAC LOAN SERVICES, LLC | 37 | $24.3M | $656K | 54.1% |
| GOOGAIN, INC. | 29 | $18.7M | $644K | 34.5% |
| East West Bank | 25 | $13.6M | $543K | 36.0% |
| AMWEST FUNDING CORP. | 24 | $11.0M | $457K | 29.2% |
| Wells Fargo Bank, National Association | 23 | $15.1M | $658K | 56.5% |
| Citadel Servicing Corporation | 23 | $11.5M | $499K | 52.2% |
| NexBank | 22 | $16.4M | $745K | 36.4% |
| CHAMPIONS FUNDING, LLC | 22 | $14.3M | $651K | 45.5% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 21 | $16.3M | $777K | 66.7% |
| Fremont Bank | 21 | $11.9M | $565K | 47.6% |
| KIND LENDING, LLC | 20 | $13.4M | $669K | 35.0% |
| OCMBC, INC. | 20 | $11.3M | $563K | 20.0% |
| Broker Solutions, Inc. | 18 | $12.1M | $674K | 55.6% |
| Commerce Home Mortgage, Inc. | 17 | $11.0M | $644K | 64.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | $10.1M | $595K | 0.0% |
| CMG MORTGAGE, INC. | 16 | $10.2M | $639K | 37.5% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Alameda County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Alameda County CSV, all 25 lenders
What Alameda County's table can't show you: fit. Short-term financing is exempt from HMDA, so Alameda County's fix-and-flip and bridge lenders barely appear among its 210 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Alameda County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Alameda County, California property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Alameda County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 210 lenders and 1,668 loans: 2025 HMDA loan-level data rolled up to Alameda County.
- Alameda County investor-lender dataset (CSV) — All 25 lenders in the Alameda County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Alameda County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Oakland-Fremont, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Alameda County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.