Question 1

What DSCR ratio do I need to qualify in Hollister?

Accepted Answer

Most lenders want 1.0 or above. Some go to 0.75 with 25-30% down and stronger credit.

Question 2

Can I use a short-term rental income for DSCR in San Benito County?

Accepted Answer

Some lenders allow it using AirDNA data. Fewer lenders participate, and rates are typically higher for STR properties.

Question 3

Do I need to form an LLC to get a DSCR loan?

Accepted Answer

No, but most DSCR lenders allow LLC vesting. Some investors prefer it for liability reasons.

Question 4

How is DSCR calculated on a property I haven't bought yet?

Accepted Answer

The appraiser provides a market rent schedule. That number — not your projection — is what lenders use to calculate your ratio.

Question 5

How much down payment do DSCR loans require in California?

Accepted Answer

Plan for 20-25% down on most deals. Lower DSCR ratios or lower credit scores push that number higher.

Question 6

Are DSCR rates higher than conventional investment loan rates?

Accepted Answer

Yes, typically. Non-QM pricing carries a premium. Rates vary by borrower profile and market conditions.

DSCR Loans in Hollister, CA — Qualify on Rent, Not Your W-2