Fresno DSCR Loans
Fresno is a rental market in Fresno County where the median home value is $388,924 and the median rent is $1,941 a month. That is a 5.99% gross yield, and it is the figure that decides whether a DSCR loan makes sense in Fresno at all. At today's 6.95% rate a median-priced Fresno rental returns about 0.79 at 20% down.
Median Home Value
$388,924
Median Rent
$1,941
Gross Yield
5.99%
DSCR @ 20% Down
0.79
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Fresno Rental Economics
Median household income in Fresno is $66,804. Roughly 543,615 people live in Fresno. Investors looking at Fresno are comparing a 5.99% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Fresno 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
5.99%
Annual median rent measured against median home value in Fresno.
Down Payment for a 0.75 DSCR
15.5%
What Fresno financing typically needs to clear a 0.75 ratio.
Median Household Income
$66,804
Census income for Fresno.
What DSCR Financing Requires in Fresno
A DSCR lender sizes a Fresno loan against the rent rather than your personal income. On a median-priced Fresno property the ratio lands at 0.79 with 20% down and 0.93 with 35% down, so reaching a 0.75 ratio takes roughly 16% down and reaching 1.0 takes about 40%. These are median-property figures for Fresno. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Fresno | Typical lender treatment |
|---|---|---|
| 20% | 0.79 | Meets the 0.75 floor many lenders use |
| 35% | 0.93 | Meets the 0.75 floor many lenders use |
Median-property figures for Fresno. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Fresno
Rental performance moves street by street inside Fresno. These are the areas investors ask about most often:
Fresno DSCR Questions
What is the median home value in Fresno?
The median home value in Fresno is $388,924 as of August 2026 (Zillow ZHVI). Median rent is $1,941 a month, a gross yield of 5.99%.
What down payment does a DSCR loan need in Fresno?
On a median-priced Fresno rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 16% down, and reaching 1.0 takes about 40%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Fresno?
Fresno is one of the few California markets where DSCR financing is reachable without an unusual down payment. A median-priced Fresno rental yields 5.99% gross, which lands near a 0.75 ratio at 20% down and clears a full 1.0 ratio at roughly 40% down.
Is Fresno a cash-flow market or an appreciation market?
With a gross yield of 5.99% against a 6.95% mortgage rate, Fresno leans toward cash flow on the numbers.
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