Question 1

Can I use a DSCR loan to buy a primary residence in Rialto?

Accepted Answer

No. DSCR loans are for investment properties only. You need a conventional or government-backed loan for a primary home.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want a 680 or higher. Conventional loans can go as low as 620 with the right lender.

Question 3

Do DSCR loans require a large down payment?

Accepted Answer

Expect 20% to 25% down for most DSCR deals. Conventional investment property loans also require at least 15% to 20%.

Question 4

Can I hold a DSCR loan in my LLC?

Accepted Answer

Yes — that's one of DSCR's biggest advantages for investors. Conventional loans require the borrower to take title personally.

Question 5

Which loan is faster to close in Rialto?

Accepted Answer

DSCR loans often close faster. No tax return review means less back-and-forth with underwriting on your personal finances.

Conventional vs DSCR Loans in Rialto, CA