Question 1

Can I use a DSCR loan for a primary residence?

Accepted Answer

No. DSCR loans are for investment properties only. Use a conventional loan for any home you plan to live in.

Question 2

What credit score does a DSCR loan require?

Accepted Answer

Most DSCR lenders want a 680 or higher. Some go down to 660, but expect a higher rate.

Question 3

Do conventional loans work for rental properties?

Accepted Answer

Yes, up to four units. But lenders count your personal debt ratios, not just the rent. Your income must support the payment.

Question 4

Which loan has a lower interest rate?

Accepted Answer

Conventional rates run lower. DSCR is a non-QM product, so lenders price in more risk. Rates vary by borrower profile and market conditions.

Question 5

How does SRK CAPITAL help me choose?

Accepted Answer

SRK CAPITAL runs your numbers across 200+ lenders. We match you to the loan that actually gets approved — not just the one that sounds best.

Conventional vs DSCR Loans in San Bernardino