DSCR investment property loans across the Inland Empire — qualify on the property's rental cash flow rather than your personal income. Rental conditions for 26 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 Inland Empire the 2026 one-unit conforming limit runs $832,750 — 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 |
|---|---|---|---|
| Chino | San Bernardino | $760K | $832,750 |
| Chino Hills | San Bernardino | $990K | $832,750 |
| Corona | Riverside | $760K | $832,750 |
| Eastvale | Riverside | $950K | $832,750 |
| Fontana | San Bernardino | $640K | $832,750 |
| Hemet | Riverside | $450K | $832,750 |
| Hesperia | San Bernardino | $460K | $832,750 |
| Indio | Riverside | $510K | $832,750 |
| Jurupa Valley | Riverside | $680K | $832,750 |
| La Quinta | Riverside | $740K | $832,750 |
| Menifee | Riverside | $590K | $832,750 |
| Moreno Valley | Riverside | $550K | $832,750 |
| Murrieta | Riverside | $690K | $832,750 |
| Ontario | San Bernardino | $670K | $832,750 |
| Palm Desert | Riverside | $550K | $832,750 |
| Palm Springs | Riverside | $620K | $832,750 |
| Rancho Cucamonga | San Bernardino | $790K | $832,750 |
| Rancho Mirage | Riverside | $840K | $832,750 |
| Redlands | San Bernardino | $640K | $832,750 |
| Rialto | San Bernardino | $590K | $832,750 |
| Riverside | Riverside | $650K | $832,750 |
| San Bernardino | San Bernardino | $500K | $832,750 |
| Temecula | Riverside | $770K | $832,750 |
| Upland | San Bernardino | $820K | $832,750 |
| Victorville | San Bernardino | $440K | $832,750 |
| Yucaipa | San Bernardino | $570K | $832,750 |
Chino. Chino's new master-planned housing and logistics employment support steady rental demand, a growing Inland Empire DSCR market.
Chino Hills. Chino Hills' top schools and affluent suburban neighborhoods support strong, stable rental demand, a premium Inland Empire DSCR profile.
Corona. Corona's commuter access to OC and family neighborhoods support steady rental demand, a balanced Inland Empire DSCR profile.
Eastvale. Eastvale's newer master-planned housing, strong schools, and OC-commuter appeal support steady family-rental demand, a stable Inland Empire DSCR profile.
Fontana. Fontana's logistics-and-warehouse employment base and affordable family housing support strong workforce rental demand, a solid DSCR cash-flow profile.
Hemet. Hemet's low prices and consistent rental demand give DSCR investors some of the most favorable rent-to-price math in Riverside County.
Hesperia. Hesperia's affordable High Desert housing and consistent rental demand support strong rent-to-price ratios, a favorable DSCR cash-flow market.
Indio. Indio's affordable prices and festival-driven tourism support both long-term and seasonal rental demand, a favorable Coachella Valley DSCR cash-flow market.
Jurupa Valley. Jurupa Valley's central Inland Empire location and affordable housing support steady workforce rental demand, a favorable DSCR cash-flow market.
La Quinta. La Quinta's golf-resort communities and seasonal tourism support premium vacation and long-term rents, an attractive Coachella Valley DSCR market.
Menifee. Menifee's rapid new-home growth and affordable prices support steady rental demand, a favorable DSCR cash-flow profile in south Riverside County.
Moreno Valley. Moreno Valley's logistics-driven employment and affordable housing support strong workforce rental demand, one of the Inland Empire's stronger DSCR cash-flow markets.
Murrieta. Murrieta's family-oriented master-planned neighborhoods and strong schools support steady long-term rental demand, a dependable south Riverside DSCR profile.
Ontario. Ontario's airport, logistics economy, and new housing growth drive steady rental demand, a favorable Inland Empire DSCR cash-flow market.
Palm Desert. Palm Desert's resort, retail, and seasonal-resident economy supports both long-term and vacation rental demand, a flexible Coachella Valley DSCR market.
Palm Springs. Palm Springs' resort tourism and strong vacation-rental market give DSCR investors a distinctive short-term-rental income angle, subject to local rules.
Rancho Cucamonga. Rancho Cucamonga's strong schools, retail hubs, and family neighborhoods sustain reliable rental demand, a dependable Inland Empire DSCR profile.
Rancho Mirage. Rancho Mirage's upscale resort and country-club communities support premium long-term and seasonal rents, a high-end Coachella Valley DSCR market.
Redlands. Redlands' university, historic downtown, and family neighborhoods support steady rental demand, a balanced Inland Empire DSCR profile.
Rialto. Rialto's central Inland Empire location and logistics jobs support steady, affordable workforce rental demand, a favorable DSCR cash-flow market.
Riverside. Riverside's university, county-seat employment, and Inland Empire logistics base support steady rental demand, a dependable DSCR cash-flow market.
San Bernardino. San Bernardino's affordable prices and Inland Empire logistics-driven employment support strong workforce rental demand, a top DSCR cash-flow market.
Temecula. Temecula's wine-country tourism, strong schools, and family growth support both long-term and vacation rental demand, an appealing south Riverside DSCR market.
Upland. Upland's established neighborhoods and foothill location support steady rental demand, a dependable Inland Empire DSCR profile.
Victorville. Victorville's low High Desert prices and steady rental demand give DSCR investors some of the most favorable cash-flow math in the Inland Empire.
Yucaipa. Yucaipa's small-town appeal and foothill setting support steady rental demand at accessible prices, a balanced DSCR profile.
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