Question 1

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

Accepted Answer

No. DSCR is investment property only. For a home you'll live in, you need conventional or a government-backed loan.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want 680 or higher. Some go down to 660, but rates get worse fast below that threshold.

Question 3

Do DSCR loans require a down payment?

Accepted Answer

Yes. Expect 20-25% down minimum. DSCR lenders want skin in the game on investment properties.

Question 4

Which loan has lower rates in Upland right now?

Accepted Answer

Conventional rates run lower. DSCR adds a premium for skipping income docs. Rates vary by borrower profile and market conditions.

Question 5

Can I hold a DSCR loan in an LLC?

Accepted Answer

Yes. That's one of the biggest advantages. Conventional loans require individual ownership — no entity vesting allowed.

Question 6

How does SRK CAPITAL help me choose between these?

Accepted Answer

We pull actual quotes from 200+ wholesale lenders on both products. You see the real numbers side by side before deciding.

Conventional vs DSCR Loans in Upland, CA