Question 1

What DSCR ratio do I need to qualify in Marina?

Accepted Answer

Most lenders want 1.1 or higher. A few go down to 0.75 with a stronger credit profile and larger down payment.

Question 2

Can I use Airbnb income for a DSCR loan?

Accepted Answer

Most DSCR lenders use long-term market rent only. Short-term rental income typically does not count toward DSCR.

Question 3

Can I hold the property in an LLC?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. It is one reason investors prefer DSCR over conventional financing.

Question 4

How much do I need to put down for a DSCR loan in Marina?

Accepted Answer

Expect 20–25% down on most DSCR purchases. Some lenders require more depending on credit score and property type.

Question 5

Is a DSCR loan available for a duplex or triplex in Marina?

Accepted Answer

Yes. DSCR works well for 2–4 unit properties. Combined rent income from all units counts toward the ratio.

Question 6

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

Accepted Answer

No. DSCR loans require no personal tax returns. Qualification is based entirely on the rental property's income.

DSCR Loans in Marina, CA — Qualify on Rental Income