BanCal Properties Blog

BanCal Properties Blog

Our Latest Posts

AB 1482 vs SF Rent Control: Which Cap Applies?
September 24, 2026
Compare AB 1482 with San Francisco rent control, see which cap applies by property type, and understand the impact on underwriting and rent-growth assumptions.
DSCR, Debt Yield & LTV: What Your Lender Is Scoring
September 17, 2026
See how NOI, DSCR, debt yield, LTV, vacancy, expenses, and reporting shape multifamily refinancing, and what property managers can influence.
DSCR, Debt Yield & LTV: What Your Lender Is Scoring
By Tammy McNaught • September 10, 2026
California resident manager rules for 16+ unit SF buildings, including 2026 lodging credits, wage requirements, records, and termination risks.
By Marketing BanCal • August 25, 2026
Finding the right tenant is an important part of protecting a rental property, but not every strong applicant will meet every screening requirement on their own. An applicant may have limited credit history, insufficient income, or other financial circumstances that make it difficult to qualify. In these situations, a qualified co-signer or guarantor can provide an additional layer of financial protection while allowing an otherwise suitable applicant to secure housing.  For landlords, however, accepting a co-signer or guarantor should involve more than adding another signature to the paperwork. Understanding the difference between the two, carefully screening the individual, and establishing consistent qualification criteria can help landlords make more informed leasing decisions.
How to Audit a San Francisco Rent Roll: Rent Control Status, Increases, Deposits, and Lease Records
By Tammy McNaught • August 20, 2026
Verify rent-control status, lawful base rent, banked increases, licenses and deposits before you buy or take over an SF building. Step-by-step checklist.
The SF Rent Board Housing Inventory: The Filing Required Before Your Rent Increase Can Take Effect
August 12, 2026
San Francisco owners must report to the Rent Board Housing Inventory by March 1 and hold a rent increase license before any annual or banked increase.
Banked Rent Increases in San Francisco: How to Recover the Raises You Skipped
By Tammy McNaught • August 1, 2026
Skipped a rent increase in San Francisco? Banking may let you impose it later. How the percentages add up, the limits, and the notice period that applies.
How a Property Management Takeover Works in San Francisco: Records, Tenants, Vendors, and the First
July 28, 2026
What a San Francisco management takeover involves: records, deposits and trust funds, tenants, vendors, and what to do when the outgoing manager stalls.
July 23, 2026
Property insurance is shifting, and not always in ways that work in a landlord's favor. While some premiums are starting to level off, the coverage attached to those premiums is often getting narrower. For owners of rental property, two trends are worth understanding closely: the growing role of non-admitted carriers, and a rise in habitability-related exclusions.
By Tammy McNaught • July 9, 2026
When was the last time you looked at your rental the way a prospective tenant does, starting with the online reviews, then the listing photos, then the tone of your last email reply, before they even step inside? The rental relationship has changed more in the last decade than in the two decades before it. Renting used to be a temporary stop on the way to homeownership. Now, for many tenants, it is a long-term lifestyle choice, and their expectations have shifted to match. Here is what that means for property owners today.
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