Question 1

Can I use Airbnb income to qualify for a DSCR loan in Yucca Valley?

Accepted Answer

Some lenders accept short-term rental income using market data tools like AirDNA. Not all do — this is one area where lender selection really matters.

Question 2

How much do I need to put down on an investor loan?

Accepted Answer

Most non-QM investor loans require 20–25% down. Some lenders go lower with stronger credit or reserves.

Question 3

Do investor loans in Yucca Valley require tax returns?

Accepted Answer

Not on DSCR loans. The property's income qualifies the deal. Your personal tax returns stay out of it.

Question 4

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want at least 620–660. Better scores get better rates. Rates vary by borrower profile and market conditions.

Question 5

Can I flip a property in Yucca Valley using investor financing?

Accepted Answer

Yes. Hard money and bridge loans are built for that. They close fast and don't require stabilized rental income to qualify.

Question 6

Do I need a short-term rental permit before getting a loan?

Accepted Answer

San Bernardino County requires STR permits. Some lenders ask for proof of compliance before closing — confirm this early.

Investor Loans in Yucca Valley — Built for the High Desert Market