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Colusa is a small agricultural market in the Sacramento Valley. Rental income here can be steady, especially near farmworker housing and local workforce demand.
DSCR loans work well in markets like Colusa. Lenders look at what the property earns — not your tax returns.
1.0 (some at 0.75)
Min DSCR Ratio
620
Min Credit Score
20–25%
Down Payment
None
Income Docs Required
Up to 30-year fixed
Loan Term
DSCR Loans in Colusa
Most lenders want a DSCR of 1.0 or higher. That means monthly rent covers the full mortgage payment.
Credit score minimums typically start at 620. Expect to put down 20-25% on most DSCR deals.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Colusa.
Colusa is a small agricultural market in the Sacramento Valley. Rental income here can be steady, especially near farmworker housing and local workforce demand.
DSCR loans work well in markets like Colusa. Lenders look at what the property earns — not your tax returns.
Most lenders want a DSCR of 1.0 or higher. That means monthly rent covers the full mortgage payment.
Most retail banks don't offer DSCR loans. You need a non-QM lender — and most are only accessible through brokers.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the DSCR program that fits Colusa rental property numbers.
Colusa rents are modest. Before you apply, run the math — divide monthly rent by the full PITI payment.
If your DSCR comes in under 1.0, some lenders still approve at 0.75 or higher. Rate and down payment requirements go up.
Bank Statement loans also skip W-2s, but they require 12-24 months of personal or business deposits. DSCR skips all of that.
Hard Money loans close fast but carry short terms and high rates. DSCR gives you a 30-year fixed — actual hold-and-rent financing.
Colusa County has a tight rental market tied to agriculture and local services. Consistent tenant demand helps DSCR ratios.
Property values are lower here than coastal California. That can make it easier to hit a 1.0 DSCR on affordable acquisitions.
DSCR is monthly rent divided by your full mortgage payment. A ratio of 1.0 means rent exactly covers the payment.
No. Approval is based on the property's rent, not your salary or tax returns.
Yes. Most DSCR lenders allow LLC or corporation vesting. It's common for investors who want asset protection.
If DSCR falls below 1.0, some lenders still lend at 0.75+. Expect higher rates and a larger down payment.
Conventional loans require income documentation and debt-to-income calculations. DSCR skips both and uses rent instead.
Yes. Most DSCR lenders use a market rent appraisal form. The appraiser estimates fair market rent for the unit.