Question 1

What DSCR ratio do I need to qualify in Calexico?

Accepted Answer

Most lenders require a 1.0 DSCR minimum. Some accept 0.75 with strong credit and larger down payments.

Question 2

Do DSCR lenders have issues with Imperial County properties?

Accepted Answer

Some add rural overlays requiring more reserves or lower LTVs. We filter for lenders comfortable with Imperial County deals.

Question 3

Can I use projected rent to qualify?

Accepted Answer

Yes, lenders typically use an appraiser's market rent estimate. Your lease income or a rent survey won't override the appraisal.

Question 4

What down payment does a DSCR loan require?

Accepted Answer

Expect 20% to 25% down on most DSCR loans. Some lenders go to 15% with a higher rate and strong DSCR.

Question 5

How fast can a DSCR loan close in Calexico?

Accepted Answer

Most DSCR loans close in 21 to 30 days. Appraisal turnaround in rural counties can add time.

Question 6

Can I finance multiple Calexico properties with DSCR?

Accepted Answer

Yes. DSCR loans are built for portfolio growth. Many lenders allow 10 or more financed properties.

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