Question 1

Can I use Airbnb income to qualify in Trinidad?

Accepted Answer

Some DSCR lenders accept short-term rental income using market rent from an appraisal. Not all do — lender selection matters here.

Question 2

How much do I need to put down on an investor property?

Accepted Answer

Most investor loans require 20-25% down. Some programs go lower, but expect higher rates or stricter terms.

Question 3

Does being in a rural area like Trinidad affect my loan?

Accepted Answer

It can. Some wholesale lenders add overlays for rural coastal markets. We shop lenders who price these deals fairly.

Question 4

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders start at 620. Better pricing kicks in at 700 and above. Rates vary by borrower profile and market conditions.

Question 5

How fast can I close a fix-and-flip in Trinidad?

Accepted Answer

Hard money loans can close in days. DSCR loans typically take 3-4 weeks depending on the lender and property.

Investor Loans in Trinidad, CA — Built for Real Estate Returns