DSCR Loans in San Diego County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 301 lenders made 4,755 investment-property loans in San Diego County, 8.7% of California's total. Dominick Prevete arranges DSCR loans across San Diego 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 $580,000.
San Diego County investor market at a glance
| Statistic | San Diego County | California | County rank |
|---|---|---|---|
| Investor loans | 4,755 | 54,410 | 2nd of 39 |
| Reporting lenders | 301 | 630 | 3rd of 39 |
| Loan volume | $3.54B | $37.12B | 3rd of 39 |
| Average loan | $745K | $682K | 10th of 39 |
| Median loan | $605K | $485K | 8th of 39 |
| Purchases | 47.0% | 51.1% | 31st of 39 |
| Cash-out refinances | 27.2% | 25.6% | 13th of 39 |
| 2–4 unit properties | 16.8% | 16.6% | 14th of 39 |
| Top five lenders' share | 26.5% | 23.2% | 31st of 39 |
| Reported business-purpose | 71.3% | 71.2% | 20th of 39 |
San Diego County: closed-end loans on 1–4 unit investment properties. San Diego County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of San Diego County's investor loans.
What stands out in San Diego County
The median investor loan in San Diego County was $605K, the 8th-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.
47.0% of San Diego County's investor loans were purchases, the 9th-lowest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 26.5% of San Diego County's investor loans, the 9th-lowest share of California's 39 counties with published data (statewide: 23.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in San Diego County?
At HUD's fair market rent of $3,743 for a 3-bedroom in San Diego County, California, a rental covers its full DSCR payment up to a purchase price of about $580,000, with 20% down at the 7.25% starting rate (November 2026). San Diego County's median home value is $854,700; at that price the payment is $5,502 a month, so the property would need $5,525 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) | $2,823 / $3,743 / $4,526 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $854,700 |
| Median property taxes and effective rate | $5,774 (0.68% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,502 |
| Rent needed to cover that payment | $5,525 |
| Coverage of a 3-bedroom at fair market rent | 0.68 |
| Highest price a 3-bedroom at fair market rent covers | about $580,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $875,000 |
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 San Diego County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in San Diego County?
The most active investment-property lenders in San Diego County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and Rocket Mortgage, LLC, out of 301 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 two that reported in San Diego County, and matches each file to the one most likely to fund it.
San Diego County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 4,755 loans and $3.54B from 301 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led San Diego County with 368 loans, 7.7% of the county's total, and the average San Diego County loan of $745K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 368 | $220.5M | $599K | 38.3% |
| Kiavi Funding, Inc. | 275 | $269.8M | $981K | 88.4% |
| Rocket Mortgage, LLC | 222 | $118.8M | $535K | 46.8% |
| THE LOAN STORE, INC. | 203 | $125.6M | $619K | 46.3% |
| PENNYMAC LOAN SERVICES, LLC | 194 | $128.9M | $665K | 55.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 153 | $118.3M | $773K | 54.9% |
| CONVENTUS LLC | 132 | $161.0M | $1220K | 72.7% |
| JPMorgan Chase Bank, National Association | 95 | $69.4M | $731K | 43.2% |
| U.S. Bank National Association | 89 | $68.6M | $771K | 44.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 85 | $94.1M | $1107K | 84.7% |
| NEWREZ LLC | 75 | $49.7M | $663K | 38.7% |
| Genesis Capital, LLC | 71 | $101.9M | $1436K | 73.2% |
| NEXERA HOLDING LLC | 70 | $57.1M | $816K | 45.7% |
| HOMEXPRESS MORTGAGE CORP. | 69 | $46.0M | $667K | 23.2% |
| Citadel Servicing Corporation | 67 | $53.9M | $805K | 31.3% |
| KIND LENDING, LLC | 67 | $37.9M | $565K | 40.3% |
| GUARANTEED RATE, INC. | 65 | $56.9M | $875K | 41.5% |
| CHAMPIONS FUNDING, LLC | 64 | $44.9M | $701K | 40.6% |
| OCMBC, INC. | 63 | $36.0M | $571K | 23.8% |
| AMWEST FUNDING CORP. | 57 | $34.8M | $611K | 29.8% |
| NexBank | 56 | $40.1M | $715K | 42.9% |
| FUNDLOANS CAPITAL | 53 | $51.4M | $970K | 18.9% |
| Commerce Home Mortgage, Inc. | 49 | $43.8M | $894K | 53.1% |
| Hometown Equity Mortgage, LLC | 47 | $31.7M | $674K | 29.8% |
| VISTA POINT MORTGAGE, LLC | 46 | $22.6M | $490K | 8.7% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for San Diego County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · San Diego County CSV, all 25 lenders
What San Diego County's table can't show you: fit. Short-term financing is exempt from HMDA, so San Diego County's fix-and-flip and bridge lenders barely appear among its 301 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 some 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 San Diego County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a San Diego 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 — San Diego County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 301 lenders and 4,755 loans: 2025 HMDA loan-level data rolled up to San Diego County.
- San Diego County investor-lender dataset (CSV) — All 25 lenders in the San Diego County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — San Diego 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 San Diego-Chula Vista-Carlsbad, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — San Diego 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.