Question 1

What DSCR ratio do I need to qualify in California?

Accepted Answer

Most lenders require 1.0 or above. Some will go as low as 0.75 DSCR with a larger down payment.

Question 2

Can I use Airbnb income for a DSCR loan in San Juan Bautista?

Accepted Answer

Yes. Several DSCR lenders accept short-term rental income. They'll typically use AirDNA data or a 12-month rental history.

Question 3

Can I buy under an LLC with a DSCR loan?

Accepted Answer

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

Question 4

How is DSCR calculated?

Accepted Answer

Take the monthly gross rent and divide it by the total monthly mortgage payment (PITIA). 1.0 means rent equals the payment.

Question 5

Do DSCR loans require tax returns?

Accepted Answer

No. That's the point. Lenders don't look at your personal income or tax returns at all.

Question 6

What property types qualify for DSCR in San Benito County?

Accepted Answer

Single-family, 2–4 units, and many condos qualify. Some lenders also finance small multifamily and short-term rental properties.

DSCR Loans in San Juan Bautista — Let the Rent Qualify You