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San Juan Bautista sits in San Benito County, a quieter California market with real rental demand from commuters and tourism.
DSCR loans (Debt Service Coverage Ratio) skip your personal income entirely. The property's rent covers the loan — that's what gets you approved.
620+
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25%
Down Payment
None
Income Docs Required
Non-QM / Investor
Loan Type
DSCR Loans in San Juan Bautista
Most lenders want a DSCR of 1.0 or higher. That means the monthly rent must meet or beat the monthly mortgage payment.
Credit score minimums typically start at 620. Expect to put down 20–25% on most DSCR deals in California.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County, a quieter California market with real rental demand from commuters and tourism.
DSCR loans (Debt Service Coverage Ratio) skip your personal income entirely. The property's rent covers the loan — that's what gets you approved.
Most lenders want a DSCR of 1.0 or higher. That means the monthly rent must meet or beat the monthly mortgage payment.
DSCR is a non-QM product. Most retail banks won't touch it. You need wholesale lenders who specialize in investor loans.
We work with 200+ wholesale lenders at SRK CAPITAL. Several of them actively price DSCR deals in smaller California markets like San Benito County.
The biggest mistake investors make: buying a property first, then checking if it qualifies. Run the DSCR math before you make an offer.
In smaller markets like San Juan Bautista, appraisers sometimes undervalue rental income. A broker who knows DSCR lenders can steer you toward ones who accept investor-supplied rent comps.
Bank statement loans are the next closest option for self-employed investors. But those still require 12–24 months of personal or business deposits.
DSCR cuts that entirely. If the property cash-flows, you can qualify — even with a complex tax return showing minimal income.
San Juan Bautista draws visitors to its historic mission and downtown. Short-term rental demand is real here — and DSCR lenders can use Airbnb income to qualify.
San Benito County sits between the Bay Area and Central Valley. Long-term rental demand from commuters adds another layer of income stability for DSCR underwriting.
Most lenders require 1.0 or above. Some will go as low as 0.75 DSCR with a larger down payment.
Yes. Several DSCR lenders accept short-term rental income. They'll typically use AirDNA data or a 12-month rental history.
Yes. Most DSCR lenders allow LLC vesting. It's one of the main reasons investors prefer this product.
Take the monthly gross rent and divide it by the total monthly mortgage payment (PITIA). 1.0 means rent equals the payment.
No. That's the point. Lenders don't look at your personal income or tax returns at all.
Single-family, 2–4 units, and many condos qualify. Some lenders also finance small multifamily and short-term rental properties.