Concord DSCR Loans
Inside Contra Costa County, Concord rents for $2,572 a month against a median home value of $722,165. The 4.27% gross yield is the figure that governs whether a DSCR loan pencils here, and at 6.95% it returns about 0.56 at 20% down.
Median Home Value
$722,165
Median Rent
$2,572
Gross Yield
4.27%
DSCR @ 20% Down
0.56
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Concord Rental Economics
Median household income in Concord is $109,195. Roughly 124,260 people live in Concord. Investors looking at Concord are comparing a 4.27% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Concord 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
4.27%
Annual median rent measured against median home value in Concord.
Down Payment for a 0.75 DSCR
44.0%
What Concord financing typically needs to clear a 0.75 ratio.
Median Household Income
$109,195
Census income for Concord.
What DSCR Financing Requires in Concord
A DSCR lender sizes a Concord loan against the rent rather than your personal income. On a median-priced Concord property the ratio lands at 0.56 with 20% down and 0.67 with 35% down, so reaching a 0.75 ratio takes roughly 44% down and reaching 1.0 takes about 62%. These are median-property figures for Concord. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Concord | Typical lender treatment |
|---|---|---|
| 20% | 0.56 | Below the 0.75 floor most lenders use |
| 35% | 0.67 | Below the 0.75 floor most lenders use |
Median-property figures for Concord. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Concord
Rental performance moves street by street inside Concord. These are the areas investors ask about most often:
Concord DSCR Questions
What is the median home value in Concord?
The median home value in Concord is $722,165 as of August 2026 (Zillow ZHVI). Median rent is $2,572 a month, a gross yield of 4.27%.
What down payment does a DSCR loan need in Concord?
On a median-priced Concord rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 44% down, and reaching 1.0 takes about 62%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Concord?
Concord needs a real down payment for a DSCR loan to work. The median home value of $722,165 against a median rent of $2,572 produces a gross yield of 4.27%. At 6.95%, that supports about a 0.56 ratio at 20% down, so a DSCR approval in Concord generally means roughly 44% down for a 0.75 ratio.
Is Concord a cash-flow market or an appreciation market?
With a gross yield of 4.27% against a 6.95% mortgage rate, Concord leans toward appreciation. Monthly cash flow is thin at these yields, so most Concord investors are underwriting the hold rather than the month.
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