Investment Property Details
Sutter County median: $380,000
Down payment: $95,000 | Loan: $285,000
Sutter County median rent: $1,350/mo
Sutter County Market Snapshot
- Conforming Limit
- $806,500
- Median Rent
- $1,350/mo
- Avg Property Tax Rate
- 0.95%
- Est. Annual Tax
- $3,610
Your DSCR Ratio
0.53
Below break-even — rent does not cover PITIA
Monthly Rent
$1,350
Monthly PITIA
$2,547
Required Rent by DSCR Threshold
Required Rent
$2,547/mo
vs Your Rent
-$1,197
Required Rent
$3,184/mo
vs Your Rent
-$1,834
Sutter County Median Rent Comparison
The median rent in Sutter County, California is $1,350/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.53
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 Sutter 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 Sutter County, with a median rent of $1,350/mo, your DSCR depends on purchase price, down payment, and interest rate.
What is the median rent in Sutter County, California for 2026?
The 2026 median rent in Sutter County is $1,350 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 Sutter County investment property?
DSCR = Monthly Rent / Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA). For a Sutter County property at the median price of $380,000 with 25% down, your PITIA includes the mortgage payment, 0.95% property tax, insurance, and HOA dues. Use the calculator above to see your exact DSCR.
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