Question 1

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

Accepted Answer

Yes. Many lenders accept short-term rental income using market rent estimates or Airbnb history. It can significantly improve your DSCR ratio.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want a 680 minimum. Stronger credit gets better pricing, just like conventional.

Question 3

Do conventional loans work for investment properties?

Accepted Answer

Yes, but you need documented income to qualify. Rates and down payment requirements also increase for non-owner-occupied properties.

Question 4

Which loan has a lower down payment in Laguna Beach?

Accepted Answer

Conventional can go as low as 3% for primary homes. DSCR typically requires 20–25% down on investment properties.

Question 5

Can I have both a conventional and DSCR loan at the same time?

Accepted Answer

Absolutely. Many investors use conventional for their primary home and DSCR loans to build a rental portfolio separately.

Conventional vs DSCR Loans in Laguna Beach