Property & Loan Details
Orange County median: $1,250,000
Down: $312,500 | Loan: $937,500
Rental Income & Expenses
Orange County median rent: $3,000/mo
Lenders apply a 75% haircut to STR income
$1,125/mo(1.08% of purchase price)
Your DSCR Ratio
Below Minimum0.36
Below most lender minimums — let’s explore options to improve your ratio
Monthly Rent
$3,000
Monthly PITIA
$8,245
Interest-only option: Switching to interest-only would improve your DSCR to 0.40
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Rates as of 2026-03-01. Calculations are estimates for educational purposes only. Actual DSCR requirements, rates, and terms vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
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Frequently Asked Questions
What DSCR do I need for an investment property in Huntington Beach, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Huntington Beach, the median rent is $3,000/mo and the median home value is $1,250,000. Use the calculator above to determine if your target property meets lender DSCR requirements with both amortizing and interest-only payment structures.
Can I use interest-only to improve DSCR qualification in Huntington Beach?
Yes. An interest-only payment removes the principal portion, lowering your monthly PITIA and boosting your DSCR. In Huntington Beach, switching from amortizing to IO typically increases your DSCR by 0.15 to 0.30. The calculator above shows both options side by side so you can compare qualification outcomes.
What property tax rate applies to DSCR calculations in Huntington Beach?
The average effective property tax rate in Huntington Beach is 1.08%. On an investment property valued at $1,250,000, that is approximately $13,500 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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