Question 1

What DSCR ratio do I need to qualify in Rocklin?

Accepted Answer

Most lenders want a DSCR of 1.1 or higher. Some allow 1.0, but you'll pay a higher rate for it.

Question 2

Can I use projected rent, not a current lease?

Accepted Answer

Yes. A market rent analysis from the appraiser can substitute for a signed lease on most DSCR programs.

Question 3

Can I close a Rocklin investment property in an LLC?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. Some require a personal guarantee from the managing member.

Question 4

Does my credit score affect my DSCR rate?

Accepted Answer

Absolutely. Higher scores get better pricing. The jump from 680 to 720 can meaningfully lower your rate.

Question 5

Are short-term rentals like Airbnb eligible for DSCR?

Accepted Answer

Some lenders allow it using AirDNA income data. Many don't. We know which lenders will work with STR properties.

Question 6

How fast do DSCR loans close in Placer County?

Accepted Answer

Typically 21-30 days when documentation is clean. No tax returns means fewer moving parts in underwriting.

DSCR Loans in Rocklin, CA — Qualify on Rental Income