Question 1

Can I use Airbnb income to qualify for a DSCR loan in Big Bear Lake?

Accepted Answer

Yes. Most DSCR lenders accept short-term rental income using market rent or actual platform history. Some require 12 months of STR receipts.

Question 2

How much do I need to put down on an investment property in Big Bear?

Accepted Answer

Plan on 20-25% minimum. Some non-QM lenders go to 80% LTV on strong-cash-flowing STR properties.

Question 3

Will conventional financing work for a Big Bear vacation rental?

Accepted Answer

Rarely. Fannie Mae restricts STR properties heavily. Most Big Bear investors use DSCR or non-QM products instead.

Question 4

Does Big Bear Lake require an STR permit to get investor financing?

Accepted Answer

Lenders don't require it — but you should confirm it anyway. Without a permit, your rental income projections may not hold up post-closing.

Question 5

Can I finance multiple Big Bear properties under one investor loan program?

Accepted Answer

Yes. Non-QM and DSCR lenders don't cap property counts the way conventional programs do. Portfolio investors use this regularly.

Investor Loans in Big Bear Lake, CA