Question 1

What DSCR ratio do I need to qualify in Newport Beach?

Accepted Answer

Most lenders require a 1.0 minimum. Some go below 1.0 with better terms. Higher ratios get better pricing.

Question 2

Can I use Airbnb income to qualify for a DSCR loan?

Accepted Answer

Some lenders accept short-term rental income. They'll use a market rent analysis or platform history. Not all lenders allow it.

Question 3

Do DSCR loans require tax returns or pay stubs?

Accepted Answer

No. That's the point. Approval is based on property cash flow, not your personal income documents.

Question 4

What's the minimum down payment for a DSCR loan here?

Accepted Answer

Most programs start at 20% down. Some lenders require 25% on condos or short-term rental properties.

Question 5

Can I buy a Newport Beach investment property in an LLC with a DSCR loan?

Accepted Answer

Yes. Many DSCR lenders allow LLC vesting. It's one of the biggest advantages over conventional investor loans.

Question 6

How is the rental income calculated for DSCR approval?

Accepted Answer

Lenders order a rent schedule from the appraiser. That market rent figure — not your lease — determines your DSCR.

DSCR Loans in Newport Beach: Qualify on Rental Income