Question 1

Can I use a DSCR loan for a short-term rental in St. Helena?

Accepted Answer

Yes. Many DSCR lenders accept short-term rental income. Some use market rent schedules; others accept Airbnb history.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders require at least 680. A 720+ score gets you meaningfully better pricing.

Question 3

How much do I need to put down on a DSCR loan?

Accepted Answer

Expect 20-25% down. Some lenders go to 80% LTV on DSCR deals with strong ratios.

Question 4

Can I buy in my LLC's name with a conventional loan?

Accepted Answer

No. Conventional loans require individual borrowers. DSCR lenders regularly close in LLC names.

Question 5

Which loan has lower rates in Napa County right now?

Accepted Answer

Conventional rates run lower. DSCR adds a premium for flexibility. Rates vary by borrower profile and market conditions.

Question 6

Do DSCR loans require tax returns?

Accepted Answer

No tax returns required. The lender qualifies the property, not your personal income.

Conventional vs DSCR Loans in St. Helena, CA