Question 1

Can I use a DSCR loan for a primary residence in Pico Rivera?

Accepted Answer

No. DSCR loans are investment property products only. For a primary residence, you need conventional or government-backed financing.

Question 2

What DSCR ratio do lenders typically require?

Accepted Answer

Most lenders want a ratio of 1.0 or higher — meaning rent covers the full mortgage payment. Some allow 0.75 with stronger credit.

Question 3

Do conventional loans allow rental properties?

Accepted Answer

Yes, up to a point. Conventional allows investment property purchases, but your personal income must support the full debt load.

Question 4

Which loan closes faster?

Accepted Answer

DSCR can close fast since there's no income documentation to verify. Conventional timelines depend on how clean your file is.

Question 5

Can I have both a conventional and a DSCR loan at the same time?

Accepted Answer

Yes. Many investors use conventional for their primary home and DSCR to grow their rental portfolio without triggering DTI issues.

Question 6

Does SRK CAPITAL offer both loan types?

Accepted Answer

Yes. SRK CAPITAL works with 200+ wholesale lenders covering both conventional and DSCR programs across Los Angeles County.

Conventional vs DSCR Loans in Pico Rivera