DSCR Loan Rates California 2026: What to Expect
DSCR loan rates run higher than conventional mortgage rates — and that’s by design. The premium buys you no income verification; the property qualifies the loan, not your tax returns. For investors who can’t or don’t want to document personal income...Condo vs. House in California 2026: Which Is Easier to Finance?
This question comes up constantly — and the answer matters more in California than in most states because of SB-326, the state’s exterior inspection law, which adds a layer of condo-specific financing complexity that didn’t exist a few years ago. I help...How to Calculate DSCR for a California Rental Property (With Examples)
I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. I walk California investors through DSCR...Debt-to-Income Ratio for California Mortgage 2026: Limits, Calculation & Tips
I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. DTI is the number I spend the most time on with...Construction Loans in California: 2026 Rates, Types & How to Qualify
Building a home in California in 2026 is a significant financial undertaking — and for most buyers, that means securing a construction loan. I work with Bay Area and Marin County builders regularly: buyers who can’t find the right existing home and have decided...
© DiVita Home Finance, Inc 2026
California Department of Real Estate Broker # 01818285 NMLS # 323700