Anaheim DSCR Loans
Anaheim rents are modest against what the homes cost. A median home value of $946,371 set against a median rent of $2,759 is a 3.50% gross yield, so at 6.95% a DSCR loan on a median Anaheim property lands near 0.46 at 20% down.
Median Home Value
$946,371
Median Rent
$2,759
Gross Yield
3.50%
DSCR @ 20% Down
0.46
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Anaheim Rental Economics
Median household income in Anaheim is $90,583. Roughly 344,553 people live in Anaheim. Investors looking at Anaheim are comparing a 3.50% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Anaheim gets bought for appreciation and held long term rather than bought for monthly cash flow, and the underwriting has to reflect that.
Gross Rental Yield
3.50%
Annual median rent measured against median home value in Anaheim.
Down Payment for a 0.75 DSCR
57.5%
What Anaheim financing typically needs to clear a 0.75 ratio.
Median Household Income
$90,583
Census income for Anaheim.
What DSCR Financing Requires in Anaheim
A DSCR lender sizes a Anaheim loan against the rent rather than your personal income. On a median-priced Anaheim property the ratio lands at 0.46 with 20% down and 0.55 with 35% down, so reaching a 0.75 ratio takes roughly 58% down and reaching 1.0 takes about 72%. These are median-property figures for Anaheim. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Anaheim | Typical lender treatment |
|---|---|---|
| 20% | 0.46 | Below the 0.75 floor most lenders use |
| 35% | 0.55 | Below the 0.75 floor most lenders use |
Median-property figures for Anaheim. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Anaheim
Rental performance moves street by street inside Anaheim. These are the areas investors ask about most often:
Anaheim DSCR Questions
What is the median home value in Anaheim?
The median home value in Anaheim is $946,371 as of August 2026 (Zillow ZHVI). Median rent is $2,759 a month, a gross yield of 3.50%.
What down payment does a DSCR loan need in Anaheim?
On a median-priced Anaheim rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 58% down, and reaching 1.0 takes about 72%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Anaheim?
Anaheim is an appreciation market, not a cash-flow market. A median Anaheim home costs $946,371 while the median rent runs $2,759, a gross yield of just 3.50%. At 6.95%, a median-priced Anaheim rental returns roughly a 0.46 DSCR at 20% down. Leveraged DSCR financing here starts around 58% down.
Is Anaheim a cash-flow market or an appreciation market?
With a gross yield of 3.50% against a 6.95% mortgage rate, Anaheim leans toward appreciation. Monthly cash flow is thin at these yields, so most Anaheim investors are underwriting the hold rather than the month.
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