Question 1

Can I use Airbnb income to qualify for a DSCR loan in Angels Camp?

Accepted Answer

Yes. Select lenders accept short-term rental projections from tools like AirDNA. Not every DSCR lender allows it — ask before you apply.

Question 2

Do I need a lease agreement to get a DSCR loan?

Accepted Answer

Not always. Some lenders use market rent appraisals or STR data instead. It depends on the specific lender program.

Question 3

Can I buy under an LLC with a DSCR loan?

Accepted Answer

Yes. Most DSCR programs allow LLC vesting. This is one of the main reasons investors prefer DSCR over conventional loans.

Question 4

What credit score do I need for a DSCR loan in Calaveras County?

Accepted Answer

Most lenders start at 620. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 5

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

Accepted Answer

Plan for 20-25% down on most programs. Some lenders go to 75-80% LTV on strong cash-flowing properties.

Question 6

Is Angels Camp considered rural for DSCR lending purposes?

Accepted Answer

Some lenders flag small rural markets due to limited appraisal comps. We know which wholesale lenders are comfortable here.

DSCR Loans in Angels Camp, CA