Long Beach DSCR Loans
Inside Los Angeles County, Long Beach rents for $2,422 a month against a median home value of $850,917. The 3.42% gross yield is the figure that governs whether a DSCR loan pencils here, and at 6.95% it returns about 0.45 at 20% down.
Median Home Value
$850,917
Median Rent
$2,422
Gross Yield
3.42%
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
Long Beach Rental Economics
Median household income in Long Beach is $83,969. Roughly 458,491 people live in Long Beach. Investors looking at Long Beach are comparing a 3.42% gross yield against a 6.95% cost of borrowing. Where that spread is thin, Long Beach 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
3.42%
Annual median rent measured against median home value in Long Beach.
Down Payment for a 0.75 DSCR
58.5%
What Long Beach financing typically needs to clear a 0.75 ratio.
Median Household Income
$83,969
Census income for Long Beach.
What DSCR Financing Requires in Long Beach
A DSCR lender sizes a Long Beach loan against the rent rather than your personal income. On a median-priced Long Beach property the ratio lands at 0.45 with 20% down and 0.53 with 35% down, so reaching a 0.75 ratio takes roughly 58% down and reaching 1.0 takes about 73%. These are median-property figures for Long Beach. A specific deal moves with the rent an appraiser supports and with the taxes and insurance on that parcel.
| Down payment | DSCR in Long Beach | Typical lender treatment |
|---|---|---|
| 20% | 0.45 | Below the 0.75 floor most lenders use |
| 35% | 0.53 | Below the 0.75 floor most lenders use |
Median-property figures for Long Beach. Taxes and insurance modelled at 1.25% of value per year. A specific deal will vary with the rent and the parcel.
Submarkets Inside Long Beach
Rental performance moves street by street inside Long Beach. These are the areas investors ask about most often:
Long Beach DSCR Questions
What is the median home value in Long Beach?
The median home value in Long Beach is $850,917 as of August 2026 (Zillow ZHVI). Median rent is $2,422 a month, a gross yield of 3.42%.
What down payment does a DSCR loan need in Long Beach?
On a median-priced Long Beach rental at a 6.95% rate, reaching a 0.75 DSCR takes roughly 58% down, and reaching 1.0 takes about 73%. The real number depends on the rent, taxes and insurance for that specific property.
Does DSCR lending work in Long Beach?
Long Beach is an appreciation market, not a cash-flow market. A median Long Beach home costs $850,917 while the median rent runs $2,422, a gross yield of just 3.42%. At 6.95%, a median-priced Long Beach rental returns roughly a 0.45 DSCR at 20% down. Leveraged DSCR financing here starts around 58% down.
Is Long Beach a cash-flow market or an appreciation market?
With a gross yield of 3.42% against a 6.95% mortgage rate, Long Beach leans toward appreciation. Monthly cash flow is thin at these yields, so most Long Beach investors are underwriting the hold rather than the month.
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