Investment Property Details
Rancho Santa Margarita, Orange County median: $925,000
Down payment: $231,250 | Loan: $693,750
Rancho Santa Margarita, Orange County median rent: $2,650/mo
Rancho Santa Margarita, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,650/mo
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $10,175
Your DSCR Ratio
0.46
Below break-even — rent does not cover PITIA
Monthly Rent
$2,650
Monthly PITIA
$5,813
Required Rent by DSCR Threshold
Required Rent
$5,813/mo
vs Your Rent
-$3,163
Required Rent
$7,267/mo
vs Your Rent
-$4,617
Rancho Santa Margarita, Orange County Median Rent Comparison
The median rent in Rancho Santa Margarita, Orange County, California is $2,650/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.46
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.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Rancho Santa Margarita, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Rancho Santa Margarita, the median rent is $2,650/mo and the median home value is $925,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Rancho Santa Margarita for 2026?
The 2026 median rent in Rancho Santa Margarita, Orange County is $2,650 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in Rancho Santa Margarita?
The average effective property tax rate in Rancho Santa Margarita is 1.10%. On an investment property valued at $925,000, that's approximately $10,175 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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