Bakersfield, CA · KERN County County · 2026 Population: 396,357 · NMLS #2827624 · AZ CMB #CMB-2016143

Bakersfield, California DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

California Statutory Disclosure:

Bakersfield, CA Local Underwriting Snapshot (KERN County County): With a 2026 population of 396,357, Bakersfield carries an effective property tax rate of 0.73%, a median 1–4 unit investment property price of $745,000, and a median market rent of $5,050/mo. At 75% LTV ($558,750 loan amount), estimated monthly PITIA is $4,430/mo, yielding an estimated baseline DSCR of 1.14x. For 5–25+ unit apartment buildings in Bakersfield, typical valuation averages $312,900/door with $2,700/mo/door market rents.

County & 2026 PopulationKERN County County (396,357)

Effective Property Tax Rate0.73% ($453/mo)

Median 1–4 Unit Price & Rent$745,000 · $5,050/mo

5–25+ Unit Multifamily Avg$312,900/door · $2700/mo

CA Foreclosure & SecurityNon-Judicial (Deed of Trust — Civil Code §2924) (120–135 days)

Bakersfield, CA Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $745,000·Loan/Door: $558,750·Avg Rent/Door: $5,050/mo

Property Value / Purchase Price$745,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$5,050/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 118 bps · 7500 bps LTV · 6625 bps Rate

1.18x

Standard Multifamily / DSCR Pass (1.15x–1.24x)

Loan Amount (75% LTV)$558,75055,875,000 _cents

Monthly P&I Debt Service$3,578/mo@ 6.625% Note Rate

Total Monthly PITIA$4,292/moTax: $453 · Ins: $261

Net Monthly Cash Flow+$758/mo$9,099/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$4,292/mo	1.18x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$4,385/mo	1.15x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$3,973/mo	1.27x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Bakersfield, CA Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Bakersfield (KERN County County, CA) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

California Statutory Security Instrument: Loans in Bakersfield (KERN County County) are secured via Deed of Trust (Power of Sale) under California's Non-Judicial (Deed of Trust — Civil Code §2924) framework (120–135 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..