Question 1

What DSCR ratio do I need to qualify in Vista?

Accepted Answer

Most lenders want 1.1 or above. Some go down to 0.75 with a bigger down payment and stronger credit.

Question 2

Can I buy a Vista rental property in an LLC?

Accepted Answer

Yes. Most DSCR programs allow LLC vesting. It's one reason investors prefer this product over conventional loans.

Question 3

Do I need to show tax returns for a DSCR loan?

Accepted Answer

No tax returns required. The loan qualifies on the property's rent income, not your personal financial history.

Question 4

Can I use a DSCR loan on a short-term rental in Vista?

Accepted Answer

Yes, but lender treatment varies. Some use Airbnb income; others cap it at long-term market rent. Confirm this upfront.

Question 5

What's the minimum down payment for DSCR in San Diego County?

Accepted Answer

Plan on 20-25% down. Some programs allow 15% with strong credit and a high DSCR ratio.

Question 6

How fast can a DSCR loan close on a Vista investment property?

Accepted Answer

Typically 21-30 days with a clean file. Have your lease agreement or rent appraisal ready at application.

DSCR Loans in Vista, CA — Qualify on Rent, Not W-2s