Investment Property Details
San Benito County median: $750,000
Down payment: $187,500 | Loan: $562,500
San Benito County median rent: $2,200/mo
San Benito County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,200/mo
- Avg Property Tax Rate
- 1.05%
- Est. Annual Tax
- $7,875
Your DSCR Ratio
0.46
Below break-even — rent does not cover PITIA
Monthly Rent
$2,200
Monthly PITIA
$4,749
Required Rent by DSCR Threshold
Required Rent
$4,749/mo
vs Your Rent
-$2,549
Required Rent
$5,936/mo
vs Your Rent
-$3,736
San Benito County Median Rent Comparison
The median rent in San Benito County, California is $2,200/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 San Benito 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 San Benito County, with a median rent of $2,200/mo, your DSCR depends on purchase price, down payment, and interest rate.
What is the median rent in San Benito County, California for 2026?
The 2026 median rent in San Benito County is $2,200 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 San Benito County investment property?
DSCR = Monthly Rent / Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA). For a San Benito County property at the median price of $750,000 with 25% down, your PITIA includes the mortgage payment, 1.05% property tax, insurance, and HOA dues. Use the calculator above to see your exact DSCR.
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