Question 1

Do I need to show tax returns for a DSCR loan in Alturas?

Accepted Answer

No. DSCR loans qualify based on the rental property's income, not yours. Tax returns are not required.

Question 2

What DSCR ratio do lenders require?

Accepted Answer

Most lenders want a DSCR of 1.0 or higher. Some allow below 1.0 with stronger credit and larger down payments.

Question 3

Will lenders do DSCR loans in rural Modoc County?

Accepted Answer

Some will, some won't. Rural zips get scrutinized. We know which wholesale lenders are comfortable with Alturas-area deals.

Question 4

How is the rent figure determined for DSCR?

Accepted Answer

The appraiser provides a market rent estimate on the appraisal report. That number is what lenders use to calculate your ratio.

Question 5

What property types qualify for DSCR in Alturas?

Accepted Answer

Single-family rentals and small multifamily (2–4 units) are most common. Commercial or agricultural properties need different programs.

Question 6

What are typical DSCR loan rates in California as of April 2026?

Accepted Answer

Rates vary by borrower profile and market conditions. DSCR rates run higher than conventional — your LTV and credit score move the number.

DSCR Loans in Alturas, CA — Let the Property Qualify