Fremont DSCR Loans
Fremont landlords rent into a market with a median home value of $1,447,776 and a median rent of $3,375 a month. Investors weighing a DSCR loan here are working with a 2.80% gross yield, which at 6.95% supports a DSCR near 0.37 at 20% down.
Median Home Value
$1,447,776
Median Rent
$3,375
Gross Yield
2.80%
DSCR @ 20% Down
0.37
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Fremont Rental Economics
Median household income in Fremont is $176,350. Roughly 228,518 people live in Fremont. Investors looking at Fremont are comparing a 2.80% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Fremont 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
2.80%
Annual median rent measured against median home value in Fremont.
Down Payment for a 0.75 DSCR
69.0%
What Fremont financing typically needs to clear a 0.75 ratio.
Median Household Income
$176,350
Census income for Fremont.
What DSCR Financing Requires in Fremont
A DSCR lender sizes a Fremont loan against the rent rather than your personal income. On a median-priced Fremont property the ratio lands at 0.37 with 20% down and 0.44 with 35% down, so reaching a 0.75 ratio takes roughly 69% down and reaching 1.0 takes about 81%. These are median-property figures for Fremont. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Fremont | Typical lender treatment |
|---|---|---|
| 20% | 0.37 | Below the 0.75 floor most lenders use |
| 35% | 0.44 | Below the 0.75 floor most lenders use |
Median-property figures for Fremont. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Fremont
Rental performance moves street by street inside Fremont. These are the areas investors ask about most often:
Fremont DSCR Questions
What is the median home value in Fremont?
The median home value in Fremont is $1,447,776 as of August 2026 (Zillow ZHVI). Median rent is $3,375 a month, a gross yield of 2.80%.
What down payment does a DSCR loan need in Fremont?
On a median-priced Fremont rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 69% down, and reaching 1.0 takes about 81%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Fremont?
Fremont is an appreciation market, not a cash-flow market. A median Fremont home costs $1,447,776 while the median rent runs $3,375, a gross yield of just 2.80%. At 6.95%, a median-priced Fremont rental returns roughly a 0.37 DSCR at 20% down. Leveraged DSCR financing here starts around 69% down.
Is Fremont a cash-flow market or an appreciation market?
With a gross yield of 2.80% against a 6.95% mortgage rate, Fremont leans toward appreciation. Monthly cash flow is thin at these yields, so most Fremont investors are underwriting the hold rather than the month.
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