Investment Property Details
Orange County median: $1,100,000
Down payment: $275,000 | Loan: $825,000
Orange County median rent: $2,800/mo
Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,800/mo
- Avg Property Tax Rate
- 1.08%
- Est. Annual Tax
- $11,880
Your DSCR Ratio
0.41
Below break-even — rent does not cover PITIA
Monthly Rent
$2,800
Monthly PITIA
$6,829
Required Rent by DSCR Threshold
Required Rent
$6,829/mo
vs Your Rent
-$4,029
Required Rent
$8,536/mo
vs Your Rent
-$5,736
Orange County Median Rent Comparison
The median rent in Orange County, California is $2,800/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.41
Calculations are estimates for educational purposes only. Actual DSCR requirements 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.
City DSCR Analyzers in Orange County
Anaheim
Costa Mesa
Dana Point
Fountain Valley
Fullerton
Garden Grove
Huntington Beach
Irvine
Laguna Beach
Laguna Niguel
Laguna Woods
Lake Forest
Mission Viejo
Newport Beach
Orange
Santa Ana
Seal Beach
Tustin
Westminster
Yorba Linda
Aliso Viejo
Brea
Cypress
La Habra
Los Alamitos
Placentia
Rancho Santa Margarita
San Clemente
San Juan Capistrano
Stanton
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Orange County, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. A 1.0 DSCR means the property's rental income exactly covers the mortgage payment (PITIA). A 1.25 DSCR — the most common lender minimum — means the rent is 25% higher than the payment. In Orange County, with a median rent of $2,800/mo, your DSCR depends on purchase price, down payment, and interest rate.
What is the median rent in Orange County, California for 2026?
The 2026 median rent in Orange County is $2,800 per month. This figure is used by appraisers and lenders when evaluating DSCR loan applications. Your actual rental income may be higher or lower depending on property type, location, condition, and amenities.
How is DSCR calculated for a Orange County investment property?
DSCR = Monthly Rent / Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA). For a Orange County property at the median price of $1,100,000 with 25% down, your PITIA includes the mortgage payment, 1.08% property tax, insurance, and HOA dues. Use the calculator above to see your exact DSCR.
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