Debt Service Coverage Ratio (DSCR) loans qualify investment properties based on the rental income the property produces, not your personal tax returns. Built for investors scaling a portfolio. Here is how the program works specifically for buyers, owners, and investors in Napa County and the rest of Napa County.
$1,017,750 (2026 conforming)
≈ $1.05M
1.00-1.25
20-25%
Napa is estate, vineyard, and portfolio-lender territory. Complex income, agricultural acreage, and multi-parcel purchases require lenders that underwrite the story, not just the DTI ratio.
An investor already at the conventional financed-property limit, buying their eighth rental in an LLC.
Closed in the LLC with no tax returns reviewed, and the file did not count against conventional property limits.
A buyer purchasing a wine-country property to run as a short-term rental, with no long-term lease in place.
A lender that accepts AirDNA-style projections made this work, where a standard market-rent analysis would have failed the ratio.
Examples are illustrative composites of typical files, not offers of credit or guarantees of terms.
Napa, St. Helena, Yountville, Calistoga, American Canyon
Full Napa County market pageYes. DSCR Investor Loans are available throughout Napa County. Qualify rental properties on the rent, not your income. Mark compares pricing across 80+ wholesale lenders and picks the one whose guidelines fit Napa County property types and your file.
$1,017,750 (2026 conforming). Above that amount the file is priced as a jumbo or portfolio loan, which changes reserve and documentation requirements.
Most purchases close in 21 to 30 days, and rush files have closed faster when the appraisal and insurance are ordered on day one. Local considerations here: Agricultural acreage carve-outs, Well and septic on rural parcels, Wildfire insurance.
1.00 is break-even; most lenders want 1.10-1.25 for best pricing. Below 1.00 there are lenders that will still lend at a rate premium.
Yes with certain lenders, typically using an AirDNA or third-party rental analysis.
Mark Dankman, NMLS #251068, 925.934.6600, mail@resourcehomeloan.com