Question 1

Can I use a DSCR loan for a short-term rental in Yountville?

Accepted Answer

Yes. Many DSCR lenders accept STR income. Some use AirDNA data to project income if the property isn't yet rented.

Question 2

How fast can hard money close?

Accepted Answer

Many hard money lenders close in 5–10 business days. That speed matters in competitive Napa Valley deals.

Question 3

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want 660 or higher. Some go lower with stronger property cash flow or larger down payments.

Question 4

Are hard money loans interest-only?

Accepted Answer

Usually yes. You pay interest only during the term, then repay the full balance when you sell or refinance.

Question 5

Can I refinance a hard money loan into a DSCR loan?

Accepted Answer

Absolutely — that's a common investor move. Buy and renovate with hard money, then refi into a DSCR for long-term hold.

Question 6

Which loan has lower rates?

Accepted Answer

DSCR rates run lower than hard money. Rates vary by borrower profile and market conditions for both products.

DSCR vs Hard Money Loans in Yountville, CA