Question 1

Can I use short-term rental income to qualify in Napa?

Accepted Answer

Yes, but lender rules vary. Some accept market projections. Others require 12 months of documented rental history.

Question 2

What credit score do I need for a Napa investor loan?

Accepted Answer

Most non-QM lenders want 680 or higher. Some programs go lower with a larger down payment.

Question 3

How much do I need to put down on a Napa rental property?

Accepted Answer

Expect 20-25% minimum. Higher down payments can offset lower credit scores or borderline DSCR.

Question 4

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

Accepted Answer

No. DSCR loans qualify based on the property's rental income, not your personal income or tax returns.

Question 5

How fast can an investor loan close on a Napa property?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close faster, often in 7-14 days.

Question 6

Are Napa STR regulations a problem for DSCR approval?

Accepted Answer

They can be. If a property lacks a valid STR permit, lenders may discount or reject projected rental income.

Investor Loans in Napa, CA — Built for Wine Country Returns