Question 1

What DSCR ratio do I need to qualify in Roseville?

Accepted Answer

Most lenders require a 1.0 to 1.25 DSCR. Higher ratios get better rates and terms.

Question 2

Can I close a DSCR loan in an LLC?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. It's one of the reasons investors prefer this product.

Question 3

Do I need rental history on the property?

Accepted Answer

No. Lenders use a market rent appraisal. The property doesn't need an existing lease to qualify.

Question 4

How much do I need to put down on a DSCR loan?

Accepted Answer

Expect 20–25% down. Some lenders go to 15% with stronger credit and higher DSCR.

Question 5

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

Accepted Answer

Some lenders allow it with 12 months of platform income history. Others require long-term leases only.

Question 6

How is DSCR different from a conventional investment loan?

Accepted Answer

DSCR skips your personal income entirely. Approval is based on property cash flow, not your tax returns.

DSCR Loans in Roseville, CA — Qualify on Rental Income, Not Your W-2