Livermore DSCR Loans
Price a DSCR loan in Livermore against two numbers: a median home value of $1,075,802 and a median rent of $3,079. That is a 3.43% gross yield, and at 6.95% it returns roughly 0.45 with 20% down.
Median Home Value
$1,075,802
Median Rent
$3,079
Gross Yield
3.43%
DSCR @ 20% Down
0.45
Sources: Zillow ZHVI, 2026-08-31 · Zillow ZORI, 2026-08-31 · Freddie Mac via FRED (MORTGAGE30US), 6.95% as of 2026-09-17
Livermore Rental Economics
Median household income in Livermore is $153,602. Roughly 85,870 people live in Livermore. Investors looking at Livermore are comparing a 3.43% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Livermore 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
3.43%
Annual median rent measured against median home value in Livermore.
Down Payment for a 0.75 DSCR
58.5%
What Livermore financing typically needs to clear a 0.75 ratio.
Median Household Income
$153,602
Census income for Livermore.
What DSCR Financing Requires in Livermore
A DSCR lender sizes a Livermore loan against the rent rather than your personal income. On a median-priced Livermore property the ratio lands at 0.45 with 20% down and 0.54 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 Livermore. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Livermore | Typical lender treatment |
|---|---|---|
| 20% | 0.45 | Below the 0.75 floor most lenders use |
| 35% | 0.54 | Below the 0.75 floor most lenders use |
Median-property figures for Livermore. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Livermore
Rental performance moves street by street inside Livermore. These are the areas investors ask about most often:
Livermore DSCR Questions
What is the median home value in Livermore?
The median home value in Livermore is $1,075,802 as of August 2026 (Zillow ZHVI). Median rent is $3,079 a month, a gross yield of 3.43%.
What down payment does a DSCR loan need in Livermore?
On a median-priced Livermore 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 Livermore?
Livermore is an appreciation market, not a cash-flow market. A median Livermore home costs $1,075,802 while the median rent runs $3,079, a gross yield of just 3.43%. At 6.95%, a median-priced Livermore rental returns roughly a 0.45 DSCR at 20% down. Leveraged DSCR financing here starts around 58% down.
Is Livermore a cash-flow market or an appreciation market?
With a gross yield of 3.43% against a 6.95% mortgage rate, Livermore leans toward appreciation. Monthly cash flow is thin at these yields, so most Livermore investors are underwriting the hold rather than the month.
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