Question 1

Can I use Airbnb income to qualify in Mariposa?

Accepted Answer

Some lenders accept short-term rental history. Others use market rent from the appraisal. The right approach depends on your rental's track record.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want 620 at minimum. Better rates start at 680 and above.

Question 3

How much down payment do investor loans require?

Accepted Answer

Plan for 20-25% down on most investor loan programs. Some lenders require more on rural or vacation-use properties.

Question 4

Do rural properties in Mariposa affect my loan options?

Accepted Answer

Yes. Rural designation can reduce LTV options and limit which lenders will fund the deal. Not every non-QM lender serves rural markets.

Question 5

What's the difference between a bridge loan and a DSCR loan?

Accepted Answer

Bridge loans are short-term, used to buy or renovate before refinancing. DSCR loans are long-term holds based on rental cash flow.

Investor Loans in Mariposa, CA — Built for Real Estate Deals