DSCR investment property loans across the San Francisco Bay Area — qualify on the property's rental cash flow rather than your personal income. Rental conditions for 56 cities below.
Income = the property
Personal income optional
Cities covered
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DSCR stands for Debt-Service Coverage Ratio. A DSCR loan qualifies an investment property based on whether its rental income covers the mortgage payment, rather than on your personal income. A DSCR of 1.0 means rent equals the payment; higher ratios indicate stronger cash flow.
DSCR loans are non-conforming investor loans and are not capped by the conforming limit. Across the San Francisco Bay Area the 2026 one-unit conforming limit runs $1,249,125 — a useful benchmark when you size a purchase, even though it does not bind a DSCR loan.
Typical home values are Zillow Home Value Index (ZHVI) figures for June 2026, rounded. Provided as a market reference for general education only; not an appraisal or valuation of any specific property.
| City | County | Typical value approx., mid-2026 | 2026 conforming limit |
|---|---|---|---|
| Alameda | Alameda | $1.16M | $1,249,125 |
| Antioch | Contra Costa | $600K | $1,249,125 |
| Belmont | San Mateo | $2.29M | $1,249,125 |
| Berkeley | Alameda | $1.48M | $1,249,125 |
| Burlingame | San Mateo | $2.82M | $1,249,125 |
| Campbell | Santa Clara | $1.9M | $1,249,125 |
| Castro Valley | Alameda | $1.12M | $1,249,125 |
| Concord | Contra Costa | $740K | $1,249,125 |
| Corte Madera | Marin | $1.87M | $1,249,125 |
| Cupertino | Santa Clara | $3.07M | $1,249,125 |
| Daly City | San Mateo | $1.13M | $1,249,125 |
| Danville | Contra Costa | $1.88M | $1,249,125 |
| Dublin | Alameda | $1.27M | $1,249,125 |
| Foster City | San Mateo | $1.88M | $1,249,125 |
| Fremont | Alameda | $1.5M | $1,249,125 |
| Gilroy | Santa Clara | $1.07M | $1,249,125 |
| Half Moon Bay | San Mateo | $1.56M | $1,249,125 |
| Hayward | Alameda | $840K | $1,249,125 |
| Lafayette | Contra Costa | $1.96M | $1,249,125 |
| Larkspur | Marin | $2.2M | $1,249,125 |
| Livermore | Alameda | $1.11M | $1,249,125 |
| Los Altos | Santa Clara | $4.62M | $1,249,125 |
| Los Gatos | Santa Clara | $2.66M | $1,249,125 |
| Martinez | Contra Costa | $770K | $1,249,125 |
| Menlo Park | San Mateo | $2.88M | $1,249,125 |
| Mill Valley | Marin | $2.17M | $1,249,125 |
| Millbrae | San Mateo | $2.07M | $1,249,125 |
| Milpitas | Santa Clara | $1.45M | $1,249,125 |
| Morgan Hill | Santa Clara | $1.34M | $1,249,125 |
| Mountain View | Santa Clara | $1.97M | $1,249,125 |
| Newark | Alameda | $1.23M | $1,249,125 |
| Novato | Marin | $1.08M | $1,249,125 |
| Oakland | Alameda | $720K | $1,249,125 |
| Orinda | Contra Costa | $1.99M | $1,249,125 |
| Pacifica | San Mateo | $1.27M | $1,249,125 |
| Palo Alto | Santa Clara | $3.6M | $1,249,125 |
| Pittsburg | Contra Costa | $570K | $1,249,125 |
| Pleasant Hill | Contra Costa | $1.0M | $1,249,125 |
| Pleasanton | Alameda | $1.56M | $1,249,125 |
| Redwood City | San Mateo | $1.88M | $1,249,125 |
| Richmond | Contra Costa | $610K | $1,249,125 |
| San Carlos | San Mateo | $2.45M | $1,249,125 |
| San Francisco | San Francisco | $1.4M | $1,249,125 |
| San Jose | Santa Clara | $1.41M | $1,249,125 |
| San Leandro | Alameda | $820K | $1,249,125 |
| San Mateo | San Mateo | $1.68M | $1,249,125 |
| San Rafael | Marin | $1.34M | $1,249,125 |
| San Ramon | Contra Costa | $1.5M | $1,249,125 |
| Santa Clara | Santa Clara | $1.71M | $1,249,125 |
| Saratoga | Santa Clara | $4.09M | $1,249,125 |
| Sausalito | Marin | $1.56M | $1,249,125 |
| South San Francisco | San Mateo | $1.23M | $1,249,125 |
| Sunnyvale | Santa Clara | $2.08M | $1,249,125 |
| Tiburon | Marin | $3.09M | $1,249,125 |
| Union City | Alameda | $1.25M | $1,249,125 |
| Walnut Creek | Contra Costa | $1.04M | $1,249,125 |
Alameda. Alameda's island setting, historic homes, and ferry access to San Francisco support steady rental demand, a desirable East Bay DSCR market.
Antioch. Antioch's affordable East-County prices and steady demand produce favorable rent-to-price ratios, a strong DSCR cash-flow market.
Belmont. Belmont's wooded hillsides, top schools, and mid-Peninsula tech access support strong rental demand, a stable DSCR profile.
Berkeley. Berkeley's large university population anchors deep, year-round rental demand, one of the East Bay's most reliable DSCR markets for occupancy.
Burlingame. Burlingame's tree-lined neighborhoods, top schools, and central Peninsula location support premium rental demand, a strong DSCR income basis.
Campbell. Campbell's lively downtown and central Silicon Valley location support strong rental demand, a desirable DSCR market.
Castro Valley. Castro Valley's family neighborhoods, strong schools, and central East Bay location support steady rental demand, a balanced DSCR profile.
Concord. Concord's central Contra Costa location, BART access, and accessible prices support steady rental demand, a favorable East Bay DSCR cash-flow market.
Corte Madera. Corte Madera's retail hubs, top schools, and central Marin location support premium rental demand, a stable Marin DSCR profile.
Cupertino. Cupertino's flagship-tech employment and acclaimed schools sustain premium rental demand, a top-tier Silicon Valley DSCR income basis.
Daly City. Daly City's proximity to San Francisco and dense housing support steady rental demand, an accessible-by-Peninsula-standards DSCR market.
Danville. Danville's top schools and upscale neighborhoods support premium rental demand, a high-end Tri-Valley DSCR income basis.
Dublin. Dublin's new master-planned housing, top schools, and BART access support strong family-rental demand, a growing Tri-Valley DSCR market.
Foster City. Foster City's lagoon lifestyle, top schools, and biotech employers support strong rental demand, a stable Peninsula DSCR profile.
Fremont. Fremont's tech-and-manufacturing employment and top schools sustain strong rental demand, a dependable East Bay DSCR profile.
Gilroy. Gilroy's relatively accessible south-county prices and agricultural-and-commuter economy support steady rental demand, a favorable Santa Clara County DSCR cash-flow market.
Half Moon Bay. Half Moon Bay's coastal tourism and limited supply support premium long-term and vacation rents, an attractive coastal DSCR niche.
Hayward. Hayward's central East Bay location, university, and transit access support steady rental demand at relatively accessible prices, a favorable DSCR cash-flow market.
Lafayette. Lafayette's top schools, semi-rural charm, and BART access sustain premium rental demand, a high-end East Bay DSCR income basis.
Larkspur. Larkspur's ferry terminal, downtown, and desirable neighborhoods support premium rental demand, a strong Marin DSCR income basis.
Livermore. Livermore's wine-country setting, lab employment, and family neighborhoods support steady rental demand, a balanced Tri-Valley DSCR profile.
Los Altos. Los Altos' top schools and venture-tech wealth command premium rents, giving DSCR investors a high income basis at very elevated entry prices.
Los Gatos. Los Gatos' top schools, charming downtown, and tech-executive demand sustain premium rents, a high-end Silicon Valley DSCR income basis.
Martinez. Martinez's county-seat employment, historic downtown, and waterfront support steady rental demand, a balanced Contra Costa DSCR profile.
Menlo Park. Menlo Park's headquarters-tech employment and acclaimed schools sustain premium, high-end rental demand, a top-tier Peninsula DSCR income basis.
Mill Valley. Mill Valley's wooded hillsides, top schools, and San Francisco proximity support premium rental demand, a high-end Marin DSCR income basis.
Millbrae. Millbrae's BART-and-Caltrain transit hub and airport proximity support steady rental demand, a well-connected Peninsula DSCR market.
Milpitas. Milpitas' tech-and-logistics employment and transit access support steady rental demand, a dependable Silicon Valley DSCR profile.
Morgan Hill. Morgan Hill's family neighborhoods and growing south-Silicon-Valley demand support steady rental occupancy, a balanced DSCR profile.
Mountain View. Mountain View's headquarters-tech employment and walkable downtown drive strong rental demand, a premium Silicon Valley DSCR market.
Newark. Newark's southern East Bay location and new housing growth support steady rental demand, a practical DSCR profile.
Novato. Novato's relatively accessible North Marin prices and family neighborhoods support steady rental demand, a balanced Marin DSCR profile.
Oakland. As a major East Bay metro with diverse neighborhoods and transit access, Oakland offers deep tenant demand, a broad and active DSCR market.
Orinda. Orinda's acclaimed schools and wooded estates support premium rental demand, a high-end East Bay DSCR income basis.
Pacifica. Pacifica's coastal setting and San Francisco commuter access support steady long-term rental demand, a scenic Peninsula DSCR market.
Palo Alto. Palo Alto's university and venture-tech economy command premium rents, giving DSCR investors a high income basis at very elevated entry prices.
Pittsburg. Pittsburg's waterfront, BART extension, and affordable prices support steady rental demand, a favorable East-County DSCR cash-flow market.
Pleasant Hill. Pleasant Hill's central location, retail hubs, and family neighborhoods support steady rental demand, a dependable East Bay DSCR profile.
Pleasanton. Pleasanton's top schools, corporate employers, and family neighborhoods sustain premium rental demand, a strong Tri-Valley DSCR profile.
Redwood City. Redwood City's downtown growth and tech-employer base drive consistent rental demand, a strong Peninsula DSCR income basis.
Richmond. Richmond's waterfront location, transit access, and relatively accessible prices support steady rental demand, a favorable West-County DSCR cash-flow market.
San Carlos. San Carlos' 'City of Good Living' reputation, top schools, and central Peninsula location support premium rental demand, a strong DSCR income basis.
San Francisco. As a dense, high-rent global tech hub, San Francisco offers deep tenant demand, giving DSCR investors a strong income basis even as elevated purchase prices keep coverage ratios in focus.
San Jose. As the capital of Silicon Valley, San Jose offers deep, high-rent tenant demand across neighborhoods, a broad and reliable DSCR market.
San Leandro. San Leandro's central East Bay location, transit access, and accessible prices support steady rental demand, a practical DSCR cash-flow market.
San Mateo. San Mateo's central Peninsula location and tech-and-biotech employment keep rental demand strong, a reliable Bay Area DSCR market.
San Rafael. San Rafael's central Marin location, downtown, and transit access support steady rental demand, a dependable North Bay DSCR market.
San Ramon. San Ramon's corporate campuses, top schools, and master-planned neighborhoods sustain premium rental demand, a strong Tri-Valley DSCR profile.
Santa Clara. Santa Clara's concentration of major tech employers and the university anchor strong, year-round rental demand, a dependable Silicon Valley DSCR profile.
Saratoga. Saratoga's acclaimed schools and hillside estates command premium rents, giving DSCR investors a high income basis at very elevated entry prices.
Sausalito. Sausalito's bayfront views, tourism, and ferry access to San Francisco support premium long-term and vacation rents, a high-end Marin DSCR market.
South San Francisco. South San Francisco's biotech employment hub and airport-adjacent location anchor strong professional rental demand, a dependable Peninsula DSCR profile.
Sunnyvale. Sunnyvale's dense tech-employer base and top schools sustain premium rental demand, a strong Silicon Valley DSCR income basis.
Tiburon. Tiburon's waterfront estates and bay views command premium rents, giving DSCR investors a high income basis at very elevated entry prices.
Union City. Union City's central East Bay location and transit access support steady rental demand, a dependable DSCR profile.
Walnut Creek. Walnut Creek's downtown, retail, and BART access sustain strong rental demand, a desirable East Bay DSCR market.
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