Question 1

How is DSCR calculated for a Redlands rental?

Accepted Answer

Divide monthly gross rent by the total mortgage payment including taxes and insurance. A $2,200 rent against a $2,000 payment gives you a 1.1 DSCR.

Question 2

Can I use projected rent, not current rent?

Accepted Answer

Yes. Most DSCR lenders accept a market rent analysis from the appraisal. This helps if the property is vacant or you just acquired it.

Question 3

Does a DSCR loan show up on my personal credit report?

Accepted Answer

Some lenders title these in an LLC and report only to business credit. Others report personally. Ask your lender before closing — it affects your next deal.

Question 4

What property types qualify for DSCR in Redlands?

Accepted Answer

Single-family, 2–4 unit, and some small multifamily properties qualify. Condotels and rural properties often get excluded by non-QM lenders.

Question 5

How fast can a DSCR loan close?

Accepted Answer

Typically 21–30 days. No income verification speeds things up. Appraisal turnaround is usually the main delay in San Bernardino County.

DSCR Loans in Redlands, CA — Qualify on Rent, Not W-2s