Question 1

What DSCR ratio do I need to qualify in Del Mar?

Accepted Answer

Most lenders require a 1.0 DSCR minimum. Some Del Mar properties hit 1.25+ given strong coastal rents, which opens better pricing.

Question 2

Can I use Airbnb rental income for a Del Mar DSCR loan?

Accepted Answer

Some lenders allow it using booking history or market rent data. Lender policies vary, so this requires matching you to the right one.

Question 3

Do I need to show my personal income for a DSCR loan?

Accepted Answer

No. DSCR lenders qualify the property, not you. Tax returns and pay stubs are not part of the file.

Question 4

What credit score is required for a DSCR loan in Del Mar?

Accepted Answer

Most lenders start at 680. Some go to 640 with a strong DSCR and larger down payment.

Question 5

How much do I need to put down on a Del Mar investment property?

Accepted Answer

Expect 20-25% down on most DSCR loans. Jumbo DSCR deals at Del Mar price points may require more.

Question 6

Is a DSCR loan the right fit for a vacant Del Mar rental?

Accepted Answer

Yes, if the appraiser's market rent estimate supports a qualifying ratio. We review that number before you're under contract.

DSCR Loans in Del Mar: Qualify on Rental Income, Not Your Tax Returns