Question 1

What DSCR ratio do I need to qualify in Alameda County?

Accepted Answer

Most lenders want 1.0 or above. Some go to 0.75 with stronger credit and more down payment.

Question 2

Can I use a short-term rental income for DSCR qualification?

Accepted Answer

Yes, but lenders vary. Some accept Airbnb income using AirDNA data. Others require traditional lease agreements only.

Question 3

Do I need to show my W-2 or tax returns?

Accepted Answer

No. DSCR loans don't use personal income. The property's rent is what gets underwritten.

Question 4

Can I close a DSCR loan in an LLC?

Accepted Answer

Most wholesale DSCR lenders allow LLC vesting. Confirm entity requirements before you open escrow.

Question 5

How much do I need to put down on a DSCR loan in Union City?

Accepted Answer

Minimum is typically 20–25%. More down can offset a lower DSCR ratio with some lenders.

Question 6

Are DSCR rates higher than conventional investment rates?

Accepted Answer

Yes. DSCR is non-QM, so rates run higher. Rates vary by borrower profile and market conditions.

DSCR Loans in Union City, CA — Qualify on Rental Income