What a $1.33M Inglewood Fourplex Actually Costs to Finance in July 2026

Published July 25, 2026

A real four unit listing near SoFi Stadium, run through current DSCR loan rates, so you can see the actual monthly numbers before writing an offer.

If you are pricing out a fourplex near SoFi Stadium, the number that matters is not the sale price, it is the rent required to cover the loan. On a $1,330,000 Inglewood fourplex at today's DSCR rates and a 75% loan, the total housing payment runs close to $8,200 a month, and most lenders want rent covering that by 20% before they will fund it.

The listing I actually checked

I looked for current fourplex activity near SoFi Stadium rather than guessing at prices, and I found one I could verify: 510 E. Arbor Vitae St, a four unit building about two blocks from the stadium, listed at $1,330,000, or $332,500 per unit. It is a 1947 building, all 2 bedroom 1 bath units, one vacant and three on month to month tenancy at below market rent, per the listing agent.

That price sits inside the wider Inglewood multifamily market. Across the roughly 60 to 66 multifamily listings active in the city, Redfin shows a median asking price near $979,000, with the range running from under $700,000 for older duplexes up past $5,000,000 for larger buildings. A $332,500 per unit fourplex two blocks from the stadium sits above that median on a per building basis, which tracks with the stadium proximity.

I was not able to verify a second current listing at a matching price point closely enough to put a specific address and number in front of you, so the worked math below runs on the one comp I could confirm. Treat it as a real, current example of the math, not a claim about the whole submarket.

Running the DSCR math on this building

DSCR loans do not look at your personal income. They look at whether the property's rent covers its own debt service, usually at a minimum ratio your lender sets, commonly 1.20. Here is what that means in dollars for the Arbor Vitae building.

Assume a 75% loan to value purchase, which is a common ceiling for DSCR products on small multifamily. On $1,330,000 that is a loan of $997,500.

Current DSCR rate tables as of July 2026 put 30 year fixed pricing at 75% LTV somewhere between 6.625% for a top tier borrower and 6.875% to 7.00% for a more typical file, depending on credit score and the property's own debt coverage ratio. I will run the math at 6.75%, a middle of the range number for a 720 to 739 credit score borrower at 75% LTV.

Principal and interest on $997,500 at 6.75% over 30 years works out to roughly $6,470 a month. Add property tax, which in California runs close to 1.25% of price a year, or about $1,385 a month on this building, plus a reasonable planning estimate of $300 to $400 a month for landlord insurance on a four unit property. That puts total monthly housing cost, principal, interest, taxes and insurance, at roughly $8,150 to $8,250.

Now work backward to the rent a lender wants to see. At a 1.00 DSCR, breakeven, the building needs about $8,200 a month in gross rent, or about $2,050 per unit average across four 2 bedroom units. At a more typical lender minimum of 1.20 DSCR, the building needs about $9,850 a month, or roughly $2,460 per unit average. The listing itself flags that current rents are below market, so before you offer, pull actual current 2 bedroom asking rents in this pocket of Inglewood and compare them to that $2,460 number yourself. That gap, between what the building collects today and what a lender needs to see, is the real underwriting question on this deal, not the sale price.

Why the rate you get depends more on you than on the Fed

The spread in DSCR pricing right now is wide, and most of it comes from two levers you control before you ever call a lender: your credit score and how much you put down. Published July 2026 rate tables show 30 year fixed DSCR pricing at 1.00 to 1.24 DSCR running from about 6.125% for a strong file at 60% LTV, up to 7.375% for a thinner file at 80% LTV. A borrower who can put 40% down instead of 25% and who walks in with a 740 plus score is often looking at a rate close to a full point lower than a borrower financing 80% with a 680 score. On a loan this size, a full point is worth close to $650 a month.

What this means if you are circling Inglewood fourplexes

The stadium proximity story is real, SoFi Stadium and the Kia Forum keep pulling multifamily interest into this stretch of Inglewood, and that shows up in asking prices per unit. But the loan does not care about the story, it cares about the rent roll. Before you write an offer on a fourplex like this one, get current rent comps for the specific unit mix, run the DSCR math at the LTV and credit tier you actually qualify for, and make sure the gap between current rent and market rent is one you can close on a reasonable timeline, not one you are hoping happens on its own.

Common questions

Does a DSCR loan look at my personal income at all?

No, that is the point of the product. The underwriting is built around whether the property's rent covers the property's debt service at the lender's minimum ratio, not your W2 or tax returns. Your credit score and reserves still matter for pricing and approval, but personal income documentation generally is not part of the file.

What DSCR ratio do most lenders want on a fourplex like this?

It varies by lender and program, but 1.20 is a common minimum you will see quoted, with some programs allowing 1.00 to 1.10 at a rate premium. Ask your specific lender for their minimum before you assume a deal pencils.

Is a fourplex two blocks from SoFi Stadium worth the premium over the Inglewood median price?

That depends on your rent upside and your hold period, not a number I can answer for you. What I can tell you is that the debt service on a building this size is real money every month regardless of the story around it, so make sure the current or near term achievable rent actually covers that number before location premium becomes the deciding factor.

Last verified: July 25, 2026. Prices, rates, and terms change. This is general information for property owners, not investment or legal advice. Confirm current pricing and terms with a broker, lender, or licensed professional before acting.

Kellie

Schofield Properties

323 Richmond Street, El Segundo, CA 90245

Topics: investing, inglewood, central-la, financing

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