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Loomis sits in Placer County's growth corridor. Investors are buying here for long-term appreciation and rental demand.
DSCR loans cut through the noise. Your W-2 doesn't matter — the property's rent-to-debt ratio does.
680+
Min Credit Score
1.0 – 1.25+
Min DSCR Ratio
20 – 25%
Down Payment
None
Income Docs Required
30-Year Fixed
Loan Terms Available
DSCR Loans in Loomis
Lenders calculate your DSCR by dividing monthly rent by monthly debt payments. A ratio of 1.0 means rent covers the debt exactly.
Most lenders want a DSCR of 1.1 or higher. Credit scores typically need to hit 680 minimum. Expect 20-25% down.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Loomis.
Loomis sits in Placer County's growth corridor. Investors are buying here for long-term appreciation and rental demand.
DSCR loans cut through the noise. Your W-2 doesn't matter — the property's rent-to-debt ratio does.
Lenders calculate your DSCR by dividing monthly rent by monthly debt payments. A ratio of 1.0 means rent covers the debt exactly.
DSCR is a non-QM product. Most banks won't touch it. You need wholesale lenders who specialize in investor financing.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several focus on Placer County rental properties specifically.
The biggest mistake investors make: buying first, then checking DSCR eligibility. Run your numbers before you write an offer.
Short-term rentals can work on DSCR loans — but the lender must accept STR income. Not all do. We know which ones will.
Bank statement loans verify your business deposits. Hard money moves fast but costs more. DSCR is purpose-built for rental holds.
If you plan to hold a property for cash flow, DSCR beats hard money on rate and term every time. Bridge loans are for flips.
Loomis draws renters priced out of Roseville and Rocklin. Single-family rentals in this zip code hold strong occupancy.
Placer County's rural-suburban mix means some parcels have acreage. Lenders underwrite those differently — expect more scrutiny on land value.
Most lenders want 1.1 or higher. Some allow 1.0 with a stronger credit profile or larger down payment.
Yes. Many DSCR programs allow LLC vesting. This is one reason investors prefer DSCR over conventional loans.
Some do. The lender must accept STR income, and you'll need documentation like Airbnb earnings statements.
Lenders use a current lease or an appraiser's market rent estimate. They pick the lower of the two figures.
Expect a 680 minimum with most lenders. Higher scores get better rates. Rates vary by borrower profile and market conditions.
It's different, not harder. You skip income docs but need a stronger down payment and a property that pencils on rent.