Question 1

What DSCR ratio do I need to qualify in California?

Accepted Answer

Most lenders require 1.0 or above. Some go to 0.75 with a larger down payment and stronger credit.

Question 2

Can I use projected rent to qualify for a DSCR loan?

Accepted Answer

Yes. Lenders use an appraiser's market rent schedule, not your actual lease. This works for vacant properties too.

Question 3

Can I close a DSCR loan in an LLC?

Accepted Answer

Most DSCR lenders allow LLC vesting. It's one of the main reasons investors choose this program.

Question 4

Does a short-term rental in American Canyon qualify for DSCR?

Accepted Answer

Some lenders accept short-term rental income using Airbnb or VRBO data. Fewer lenders offer it, and the guidelines are stricter.

Question 5

How is a DSCR loan different from a conventional investment loan?

Accepted Answer

DSCR qualifies on property income only. Conventional requires full personal income docs and caps you at 10 financed properties.

DSCR Loans in American Canyon: Finance Investment Property on Rental Income