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Indio is one of the Coachella Valley's strongest short-term rental markets. Events like Coachella and Stagecoach drive year-round demand.
That rental income is exactly what DSCR lenders want to see. Your W-2 stays out of the equation entirely.
620
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25%
Down Payment
Non-QM / DSCR
Loan Type
30-yr fixed available
Loan Terms
DSCR Loans in Indio
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by your monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full payment. Some lenders approve at 0.75 with stronger credit.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Indio.
Indio is one of the Coachella Valley's strongest short-term rental markets. Events like Coachella and Stagecoach drive year-round demand.
That rental income is exactly what DSCR lenders want to see. Your W-2 stays out of the equation entirely.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by your monthly mortgage payment.
DSCR is a non-QM loan. That means it falls outside standard Fannie Mae guidelines. Not every lender offers it.
We work with 200+ wholesale lenders — many specialize in non-QM and DSCR products for California investors specifically.
Indio has a split rental profile. Some properties run as long-term rentals. Others run as STRs for festival season and winter snowbirds.
Lenders treat STR income differently. Some use actual Airbnb history. Others use a market rent appraisal instead. Know which lender uses which method before you apply.
Hard money is faster but more expensive. DSCR gives you 30-year fixed terms without the balloon payment pressure.
Bank statement loans qualify on your business deposits. DSCR qualifies on the property itself. If the deal cash flows, DSCR usually wins.
Indio sits in Riverside County. Short-term rental rules vary by zone. Confirm STR permits before you close — lenders can't fix a zoning problem after funding.
As of April 2026, Riverside County demand for investment property remains active. Festival-adjacent neighborhoods command a rental premium that helps DSCR ratios.
Some lenders accept a market rent analysis from the appraiser. Others want 12 months of actual STR history. We'll match you to the right lender for your situation.
Most lenders want 1.0 or above. A few go down to 0.75 if your credit and reserves are strong.
No. DSCR lenders qualify on property income, not personal income. Tax returns are not required.
Yes. Many DSCR lenders accept short-term rental properties. Confirm Indio's STR permit status first.
Conventional loans require full income verification. DSCR skips that — the property's rent does the qualifying.
Plan for 20-25% down. Some lenders go to 80% LTV on stronger deals with higher DSCR ratios.