Daly City DSCR Loans
Daly City landlords rent into a market with a median home value of $1,115,941 and a median rent of $2,962 a month. Investors weighing a DSCR loan here are working with a 3.19% gross yield, which at 6.95% supports a DSCR near 0.42 at 20% down.
Median Home Value
$1,115,941
Median Rent
$2,962
Gross Yield
3.19%
DSCR @ 20% Down
0.42
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Daly City Rental Economics
Median household income in Daly City is $119,570. Roughly 102,560 people live in Daly City. Investors looking at Daly City are comparing a 3.19% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Daly City 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
3.19%
Annual median rent measured against median home value in Daly City.
Down Payment for a 0.75 DSCR
62.5%
What Daly City financing typically needs to clear a 0.75 ratio.
Median Household Income
$119,570
Census income for Daly City.
What DSCR Financing Requires in Daly City
A DSCR lender sizes a Daly City loan against the rent rather than your personal income. On a median-priced Daly City property the ratio lands at 0.42 with 20% down and 0.50 with 35% down, so reaching a 0.75 ratio takes roughly 62% down and reaching 1.0 takes about 76%. These are median-property figures for Daly City. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Daly City | Typical lender treatment |
|---|---|---|
| 20% | 0.42 | Below the 0.75 floor most lenders use |
| 35% | 0.50 | Below the 0.75 floor most lenders use |
Median-property figures for Daly City. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Daly City
Rental performance moves street by street inside Daly City. These are the areas investors ask about most often:
Daly City DSCR Questions
What is the median home value in Daly City?
The median home value in Daly City is $1,115,941 as of August 2026 (Zillow ZHVI). Median rent is $2,962 a month, a gross yield of 3.19%.
What down payment does a DSCR loan need in Daly City?
On a median-priced Daly City rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 62% down, and reaching 1.0 takes about 76%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Daly City?
Daly City is an appreciation market, not a cash-flow market. A median Daly City home costs $1,115,941 while the median rent runs $2,962, a gross yield of just 3.19%. At 6.95%, a median-priced Daly City rental returns roughly a 0.42 DSCR at 20% down. Leveraged DSCR financing here starts around 62% down.
Is Daly City a cash-flow market or an appreciation market?
With a gross yield of 3.19% against a 6.95% mortgage rate, Daly City leans toward appreciation. Monthly cash flow is thin at these yields, so most Daly City investors are underwriting the hold rather than the month.
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