Question 1

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

Accepted Answer

Yes. Many DSCR lenders accept projected Airbnb income. Some require a market rent analysis to support the numbers.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want 680 or higher. A stronger score gets you better pricing on an already higher-rate product.

Question 3

Can I put less than 20% down on a conventional loan?

Accepted Answer

Yes — as low as 3% for first-time buyers. You'll pay PMI until you reach 20% equity in the home.

Question 4

Do DSCR loans show up on my personal credit report?

Accepted Answer

If closed in an LLC, often no. Ask your broker how the specific lender handles reporting before you close.

Question 5

Which loan closes faster in Roseville?

Accepted Answer

DSCR loans can close faster — no income verification means fewer conditions. Conventional can be quick too with clean docs.

Question 6

Can a self-employed borrower use a conventional loan?

Accepted Answer

Yes, but lenders need two years of tax returns. If your write-offs shrink your stated income, DSCR may be a stronger fit.

Conventional vs DSCR Loans in Roseville, CA