Question 1

What DSCR ratio do I need to qualify in Upland?

Accepted Answer

Most lenders require a 1.0 minimum. A 1.25 ratio gets you better rates and more lender options.

Question 2

Can I use short-term rental income for DSCR?

Accepted Answer

Some lenders accept Airbnb or VRBO income. You'll need 12-24 months of platform history. Lender rules vary significantly.

Question 3

Do DSCR loans require a personal income review?

Accepted Answer

No. The property's rent is the qualifier. Your W-2s and tax returns stay out of the file.

Question 4

How much down do I need for a DSCR loan in Upland?

Accepted Answer

Plan for 20-25% down. Some lenders allow 15% on stronger files with higher reserves.

Question 5

Can I buy a multifamily property with a DSCR loan?

Accepted Answer

Yes. Most DSCR programs cover 1-4 unit properties. Some lenders go up to 8 units on portfolio products.

Question 6

Is a DSCR loan a good fit if I own multiple rentals?

Accepted Answer

It's built for that. Each loan qualifies on its own property income — your other mortgages don't disqualify you.

DSCR Loans in Upland, CA — Qualify on Rental Income