Question 1

Can I use Airbnb income to qualify for a DSCR loan in Sutter Creek?

Accepted Answer

Some lenders accept short-term rental income with proper documentation. We specifically target STR-friendly DSCR lenders for Amador County deals.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want 660 or higher. Better scores get better rates — rates vary by borrower profile and market conditions.

Question 3

Do I need a lease in place before closing?

Accepted Answer

Not always. Many lenders accept a market rent analysis in place of an active lease for new acquisitions.

Question 4

How is DSCR calculated on a vacation rental?

Accepted Answer

Lenders divide projected or actual rental income by the monthly loan payment. A ratio at or above 1.0 means the property covers its own debt.

Question 5

Does SRK CAPITAL work with rural property DSCR deals?

Accepted Answer

Yes. We have access to lenders who actively underwrite rural California properties without penalizing for location.

DSCR Loans for Sutter Creek Rental Properties