Question 1

Can I use Airbnb income to qualify for a DSCR loan in Graeagle?

Accepted Answer

Some lenders accept short-term rental income using market rent surveys or Airbnb history. Not all do — lender selection is critical here.

Question 2

What DSCR ratio do I need to get approved?

Accepted Answer

Most lenders want 1.0 or above. Some go to 0.75 with more equity down. Below 1.0 means the rent doesn't fully cover the mortgage.

Question 3

Do I need to show personal tax returns for a DSCR loan?

Accepted Answer

No. DSCR loans qualify based on property income only. Your personal tax returns are not part of the approval.

Question 4

Can I close a DSCR loan in an LLC?

Accepted Answer

Yes. Many DSCR lenders allow LLC vesting. This is common for investors who want liability protection on rental properties.

Question 5

How is the DSCR ratio calculated?

Accepted Answer

Divide monthly gross rent by the full mortgage payment including taxes and insurance. A $2,000 rent on a $1,800 payment is a 1.11 DSCR.

DSCR Loans in Graeagle, CA — Qualify on Rental Income