Question 1

What DSCR ratio do I need to get approved in Fullerton?

Accepted Answer

Most lenders require a minimum DSCR of 1.0. Some go below that for strong borrowers, but expect higher rates or stricter terms.

Question 2

Can I close a DSCR loan in my LLC?

Accepted Answer

Yes. Most wholesale DSCR lenders allow LLC vesting. It's one of the main reasons investors prefer this product over conventional.

Question 3

Do lenders count Airbnb income on Fullerton properties?

Accepted Answer

Some do, some don't. Ask upfront — lenders that allow STR income often use a platform revenue estimate rather than your actual bookings.

Question 4

How much down payment does a DSCR loan require?

Accepted Answer

Plan for 20-25% down on most deals. A few lenders go to 15% with a higher rate and stronger DSCR.

Question 5

Is a DSCR loan harder to get than a conventional investor loan?

Accepted Answer

Not harder — different. No income docs or DTI review. The property's cash flow is the underwrite. For self-employed investors, it's often easier.

Question 6

What property types qualify for DSCR in Fullerton?

Accepted Answer

SFRs, condos, duplexes, and 2-4 unit properties all qualify with most lenders. Some extend to 5-8 units on portfolio products.

DSCR Loans in Fullerton, CA — Qualify on Rent, Not W-2s