Question 1

What DSCR ratio do I need in Hayward?

Accepted Answer

Most lenders require 1.0 or above. Some go to 0.75 with a larger down payment. Rates vary by borrower profile and market conditions.

Question 2

Can I use a DSCR loan to buy a duplex in Hayward?

Accepted Answer

Yes. DSCR lenders typically allow 1-4 unit properties. The combined rent from all units counts toward your ratio.

Question 3

Do I need a California LLC to get a DSCR loan?

Accepted Answer

No, but most DSCR programs allow it. Some investors prefer LLC vesting for liability protection.

Question 4

Can Airbnb income count toward my DSCR in Hayward?

Accepted Answer

Some lenders accept short-term rental income using market data from platforms like AirDNA. Not all lenders allow this, so shop carefully.

Question 5

How fast can a DSCR loan close in Hayward?

Accepted Answer

Most DSCR loans close in 21-30 days. No income verification speeds up the process compared to conventional investor loans.

Question 6

What's the minimum down payment for DSCR in Alameda County?

Accepted Answer

Typically 20-25% down. Going to 25-30% can improve your rate and help if your DSCR is tight.

DSCR Loans in Hayward, CA: Qualify on Rental Income