Question 1

What DSCR ratio do I need to qualify in Rio Dell?

Accepted Answer

Most lenders require a 1.0 ratio or higher. Some allow below 1.0 with a larger down payment and stronger credit.

Question 2

Can I use a DSCR loan to buy in an LLC?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. It's one of the main reasons investors prefer this product.

Question 3

Do I need to show personal tax returns for a DSCR loan?

Accepted Answer

No. Qualification is based on the property's rental income. Your personal income docs stay out of the file.

Question 4

Can short-term rentals qualify for DSCR in Humboldt County?

Accepted Answer

Some lenders allow it using market rent estimates. Not all do — lender selection matters here.

Question 5

How much down payment does a DSCR loan require?

Accepted Answer

Expect 20-25% down. Some lenders require more for rural or non-warrantable properties.

DSCR Loans in Rio Dell, CA — Qualify on Rent, Not W-2s