Non-QM
DSCR (Investor Cash Flow) in San Francisco, CA
San Francisco is a city of 0.83 million people, and Custom Mortgage arranges DSCR (Investor Cash Flow) loans there and elsewhere in San Francisco County, including SOMA and Mission District. San Francisco's median home value of $1,394,500 tracks the San Francisco County median of $1,394,500 closely (Census ACS 2020-2024 5-year). That is $145,375 over the 2026 one-unit conforming limit of $1,249,125, so keeping a median-priced purchase conforming takes at least 11 percent down, and a bigger loan is a jumbo.
Households in San Francisco earn a median $140,970 a year. Renters are the majority: just 38% of occupied homes are owner-occupied. Half the housing was built before 1947, so appraisals and inspections often turn on the condition of older systems. Median gross rent is $2,476 a month.
DSCR (Investor Cash Flow) Highlights
- No personal income verification — qualify 100% on the property's rental income.
- Tax returns may not be required, W-2s, pay stubs, or employment verification required.
- Loan amounts from $100,000 to $5,000,000 for residential and commercial investment properties.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
San Francisco County at a glance
- San Francisco median home value
- $1,394,500
- Source: Census ACS 5-year, San Francisco city, California, 2020-2024
- San Francisco median household income
- $140,970
- Source: Census ACS 5-year, San Francisco city, California, 2020-2024
- San Francisco owner-occupied homes
- 38%
- Source: Census ACS 5-year, San Francisco city, California, 2020-2024
- San Francisco median gross rent
- $2,476
- Source: Census ACS 5-year, San Francisco city, California, 2020-2024
- San Francisco median year built
- 1946
- Source: Census ACS 5-year, San Francisco city, California, 2020-2024
- Conforming loan limit (1 unit)
- $1,249,125
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,402,625
- Source: FHFA, 2026
- Above the national baseline by
- $416,375
- Source: FHFA, 2026
- Median owner-occupied home value
- $1,394,500
- Source: Census ACS 5-year, 2024
- Median household income
- $140,970
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 38%
- Source: Census ACS 5-year, 2024
- Median gross rent
- $2,476
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 9.9
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: SAN FRANCISCO
SAN FRANCISCO, CA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,249,125
2-Unit (Duplex)
$1,599,375
3-Unit (Triplex)
$1,933,200
4-Unit (Fourplex)
$2,402,625
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
DSCR (Investor Cash Flow) in San Francisco, CA
San Francisco mortgage loans with competitive rates. CMRE serves all SF neighborhoods from SOMA to Pacific Heights.Custom Mortgage & Real Estate specializes in providing high-fidelity DSCR (Investor Cash Flow) solutions tailored to the unique economic landscape of San Francisco and the surrounding San Francisco County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Francisco metropolitan area.
Service Areas & Neighborhoods
Our San Francisco Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
DSCR Loan Calculator
Calculate your property's Debt Service Coverage Ratio (DSCR) to see if it qualifies for a CMRE investor cash flow loan — no personal income needed.
Monthly Rental Income
Use market rent for new purchases; actual lease for existing tenants
Monthly PITIA (Debt Service)
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About DSCR (Investor Cash Flow) in San Francisco
No. At $1,394,500, the San Francisco median is $145,375 above the $1,249,125 FHFA limit for San Francisco County. Borrowing more than $1,249,125 makes the loan a jumbo; staying conforming means putting at least $145,375 down.
Far more than median rent. Principal and interest on a $1,045,875 loan (a quarter down on $1,394,500) come to about $7,085 a month at 7.18% (Freddie Mac PMMS 30-year fixed rate as of 2026-11-05); the San Francisco median gross rent of $2,476 covers only 35 percent of that, so DSCR deals here usually need much more equity or premium rents.
At least $278,900 before closing costs (80% maximum LTV on $1,394,500). That is 2.0 years of a $140,970 median income.
9.9 times the $140,970 median household income, about the same as across San Francisco County. Expect to need extra down payment or a co-borrower.
See all DSCR (Investor Cash Flow) questions and program details
DSCR (Investor Cash Flow) by Location
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
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