Question 1

Can I use a DSCR loan to flip a property?

Accepted Answer

No. DSCR loans require a stabilized rental income stream. Flips are short-term plays — hard money fits that profile.

Question 2

What credit score do I need for hard money?

Accepted Answer

Many hard money lenders are flexible on credit. The property value and your exit strategy carry more weight than your score.

Question 3

Can I refinance from hard money into a DSCR loan?

Accepted Answer

Yes, and it's a common strategy. Acquire with hard money, renovate, stabilize the rent, then refinance into a DSCR loan.

Question 4

Which loan is faster to close in Yucaipa?

Accepted Answer

Hard money closes significantly faster. DSCR loans involve more underwriting and typically take a few weeks longer.

Question 5

Do DSCR loans require a down payment?

Accepted Answer

Yes. Most DSCR lenders require 20–25% down. Hard money terms vary but also typically require significant equity or down payment.

Question 6

Does SRK CAPITAL offer both loan types?

Accepted Answer

Yes. SRK CAPITAL works with 200+ wholesale lenders and can shop both DSCR and hard money programs for your deal.

DSCR Loans vs Hard Money Loans in Yucaipa