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Angels Camp sits in Calaveras County Gold Country. Short-term rentals and vacation properties thrive here.
Investors don't need W-2s or tax returns with DSCR loans. The property's rental income does the qualifying work.
1.0x
Min DSCR Ratio
620
Min Credit Score
20-25%
Down Payment
Non-QM
Loan Type
None
Income Docs Needed
DSCR Loans in Angels Camp
DSCR stands for Debt Service Coverage Ratio. Lenders divide monthly rent by the mortgage payment.
Most lenders want a DSCR of 1.0 or higher. A ratio above 1.25 gets you better rates. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Angels Camp.
Angels Camp sits in Calaveras County Gold Country. Short-term rentals and vacation properties thrive here.
Investors don't need W-2s or tax returns with DSCR loans. The property's rental income does the qualifying work.
DSCR stands for Debt Service Coverage Ratio. Lenders divide monthly rent by the mortgage payment.
DSCR is a non-QM product. Most big retail banks don't offer it. Wholesale lenders built specifically for investors do.
We shop 200+ wholesale lenders for Angels Camp investors. Program terms vary widely across those lenders.
Angels Camp vacation rentals can show strong seasonal income. Get an Airbnb market analysis before you apply.
Some lenders use AirDNA short-term rental projections instead of lease agreements. That matters a lot here.
Conventional investor loans use your personal debt-to-income ratio. That kills deals for self-employed buyers.
DSCR skips your tax returns entirely. Bank Statement loans are another option if the property income falls short.
Calaveras County has no rent control. That gives investors full flexibility on short-term rental pricing.
Angels Camp is small. Fewer comps mean appraisals can be tricky. Pick a lender with non-QM appraisal experience.
Yes. Select lenders accept short-term rental projections from tools like AirDNA. Not every DSCR lender allows it — ask before you apply.
Not always. Some lenders use market rent appraisals or STR data instead. It depends on the specific lender program.
Yes. Most DSCR programs allow LLC vesting. This is one of the main reasons investors prefer DSCR over conventional loans.
Most lenders start at 620. Higher scores get better rates. Rates vary by borrower profile and market conditions.
Plan for 20-25% down on most programs. Some lenders go to 75-80% LTV on strong cash-flowing properties.
Some lenders flag small rural markets due to limited appraisal comps. We know which wholesale lenders are comfortable here.