Question 1

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

Accepted Answer

Most lenders want a ratio of 1.1 or above. Some will go to 1.0 with a stronger down payment or credit profile.

Question 2

Can I use a short-term rental for DSCR qualification?

Accepted Answer

Some lenders accept Airbnb or VRBO income. Most require documented history, not projections. Policies differ widely across lenders.

Question 3

Do I need to show personal income for a DSCR loan?

Accepted Answer

No. DSCR loans qualify based on the property's rent, not your W-2 or tax returns. That's the core appeal for investors.

Question 4

Are condos in Seal Beach eligible for DSCR financing?

Accepted Answer

Some are, some aren't. Warrantability and HOA rules affect eligibility. We check this early so it doesn't kill the deal later.

Question 5

How is DSCR different from a conventional rental property loan?

Accepted Answer

Conventional loans count all your personal debts and income. DSCR only looks at the property's rent versus its mortgage payment.

Question 6

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

Accepted Answer

Typically 20–25%. Some lenders go to 15% with strong credit and a high DSCR. Rates vary by borrower profile and market conditions.

DSCR Loans in Seal Beach — Let the Rent Qualify You