Question 1

Can I use Airbnb income to qualify for a DSCR loan in St. Helena?

Accepted Answer

Yes, but lender rules vary. Some accept AirDNA projections. Others want 12 months of actual rental receipts.

Question 2

What DSCR ratio do I need to get approved?

Accepted Answer

Most lenders want 1.1 or higher. A few will go down to 1.0 with stronger credit or a larger down payment.

Question 3

Do I need to verify my personal income for a DSCR loan?

Accepted Answer

No. DSCR loans qualify based on rental income only. Your tax returns and pay stubs stay in the drawer.

Question 4

Are DSCR loans available for high-value St. Helena properties?

Accepted Answer

Yes. Jumbo DSCR loans exist, but fewer lenders offer them. We work with lenders that go well above conventional limits.

Question 5

How does Napa County's STR permit requirement affect my loan?

Accepted Answer

Lenders will require proof the property is STR-permitted. No permit usually means no approval on a vacation rental DSCR file.

Question 6

How fast can a DSCR loan close in St. Helena?

Accepted Answer

Most DSCR loans close in 21-30 days. Complex jumbo files or missing STR documentation can push that timeline out.

DSCR Loans in St. Helena: Finance Napa Wine Country Rentals