Question 1

Can I use Airbnb income to qualify for a DSCR loan in South Lake Tahoe?

Accepted Answer

Yes. Many DSCR lenders accept STR income using AirDNA data or your actual rental history. Lender policies vary.

Question 2

Do I need a South Lake Tahoe STR permit before applying for an investor loan?

Accepted Answer

Not always, but DSCR lenders will need confidence the property can generate rental income. Permit status matters at closing.

Question 3

What down payment do investor loans require in Tahoe?

Accepted Answer

Expect 20-25% down for most DSCR and non-QM investor loans. Hard money lenders may require more.

Question 4

How fast can an investor loan close on a Tahoe property?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in under two weeks for qualified borrowers.

Question 5

What credit score do I need for an investor loan?

Accepted Answer

Most DSCR lenders start at 620. You'll get meaningfully better pricing at 700 and above.

Question 6

Can I use a DSCR loan to buy a Tahoe cabin for personal use too?

Accepted Answer

No. DSCR loans are for investment properties only. Any personal use makes it a second home loan — different program entirely.

Investor Loans in South Lake Tahoe