Question 1

What DSCR ratio do I need to qualify in Corcoran?

Accepted Answer

Most lenders want a DSCR of 1.1 or higher. Some allow 1.0 with stronger credit or a larger down payment.

Question 2

Do DSCR lenders finance properties in rural Kings County?

Accepted Answer

Some do, some don't. Rural zip code overlays vary by lender — that's exactly why working with a broker across 200+ lenders matters.

Question 3

How is rental income calculated for DSCR approval?

Accepted Answer

Lenders use a rent appraisal or existing lease. The appraiser's market rent estimate drives the income number used in your ratio.

Question 4

Can I use a DSCR loan to buy a multi-family property in Corcoran?

Accepted Answer

Yes. DSCR loans work for single-family and small multi-family rentals. Each unit's rent contributes to your overall coverage ratio.

Question 5

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR programs start at 620-680. Higher scores get better pricing. Rates vary by borrower profile and market conditions.

Question 6

How much do I need to put down on a DSCR loan?

Accepted Answer

Expect 20-25% down minimum. Some lenders require more for rural properties or lower DSCR ratios.

DSCR Loans in Corcoran, CA — Qualify on Rental Income