Question 1

Do I need to be employed to get a DSCR loan in Rialto?

Accepted Answer

No. DSCR lenders qualify you based on the property's rent, not your job. Self-employed investors and retirees use this program regularly.

Question 2

What's the minimum down payment for a DSCR loan?

Accepted Answer

Most lenders require 20-25% down on a DSCR purchase. Higher down payments can offset a lower DSCR ratio.

Question 3

Can I buy under an LLC with a DSCR loan?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. This is one reason investors prefer DSCR over conventional investor loans.

Question 4

Does the property need to be leased already?

Accepted Answer

Not always. Lenders use a market rent appraisal if the property is vacant. The appraiser determines the qualifying rent figure.

Question 5

How many DSCR loans can I have at once?

Accepted Answer

There's no hard cap like conventional financing. Each property stands on its own cash flow. Many investors hold 10+ DSCR loans.

Question 6

What property types qualify for DSCR in Rialto?

Accepted Answer

SFR, condos, 2-4 units, and some 5+ unit properties qualify. Most lenders won't do DSCR on owner-occupied homes.

DSCR Loans in Rialto, CA — Qualify on Rent, Not Your W-2