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San Diego, CA · San Diego County

Investment Property Loans in San Diego

DSCR rental loans, fix & flip financing, and construction capital for real estate investors in San Diego, California. No W-2s, no tax returns. Close in as fast as 21 days.

DSCR Rental LoansFix & FlipConstruction Loans
NMLS #1502253
Close in 21 Days
No Income Docs
$820,000
Median Home Price
1.4M
Population
4.9/5
Client Rating
21 Days
Avg. Close Time

Loan Programs Available in San Diego

DSCR Rental Loans

Qualify based on San Diego rental income. No W-2s or tax returns required. Up to 80% LTV.

Get Pre-Qualified

Fix & Flip

Purchase + rehab financing in one loan. Quick closings for San Diego renovators. Up to 90% of purchase.

Get Pre-Qualified

Construction Loans

Ground-up construction financing for San Diego developers. Flexible draw schedules. Up to 90% LTC.

Get Pre-Qualified
Local Market Intelligence

San Diego Real Estate Investment Overview

San Diego's military population and tech sector create stable rental demand, and the border corridor offers value-add opportunities for experienced fix-and-flip investors.

Median Home Price
$820,000
Typical Cap Rate
3.5%–5.0%
Avg 3BR Rent
$3,200/mo
Population
1.4M
Investor-Friendly Neighborhoods
City HeightsLogan HeightsNational CityChula VistaEl Cajon
Frequently Asked Questions

San Diego Investor Loan FAQs

Do DSCR loans work for San Diego short-term rentals?
Yes, but San Diego has strict STR regulations. Many lenders will use long-term market rent for DSCR qualification rather than projected Airbnb income to avoid regulatory risk.
Can I use a DSCR loan to buy a condo in San Diego?
DSCR loans are available for condos in San Diego, but the condo project must be warrantable (no more than 35% investor-owned, no active litigation). Non-warrantable condos may require a portfolio lender.

Serving Real Estate Investors in San Diego & San Diego County

Licensed in California · NMLS #1502253 · Barrett Financial Group NMLS #181106 · Call (602) 628-1231