Concord, CA · DSCR Rental Loans
DSCR Rental Loans in Concord
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Concord investors choose 818
Concord is the East Bay's value play — BART-connected workforce housing where 2–4 unit and small-multifamily yields still pencil while core Oakland and Walnut Creek price out. The renter base commutes into the inner Bay; the investor base buys cash flow the coastal submarkets stopped producing years ago.
Our edge here: Bridge-to-DSCR on East Bay value-add is our most-used structure here — acquire fast, stabilize, and refinance into the 30-year without a second close.
DSCR Rental Loans: Concord terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — Concord DSCR loans
Does 818 Capital offer DSCR loans in Concord?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Concord and the greater Contra Costa County, East Bay market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Concord?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Concord neighborhoods do you lend in?
We actively finance DSCR loans across Downtown Concord, Monument Corridor, Clayton Valley, West Concord, and other submarkets of Contra Costa County, East Bay.
How fast can 818 Capital close a DSCR loan in Concord?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Concord
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental Loans in other markets
Ready to close your Concord deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.