Question 1

What is a DSCR loan and how does it work in Vista?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders divide the rental income by the mortgage payment — 1.0 or higher typically qualifies.

Question 2

Do I need to show personal income for an investor loan?

Accepted Answer

Not on DSCR or asset qualifier products. The property's income or your assets do the qualifying work instead.

Question 3

How much do I need to put down on an investment property in Vista?

Accepted Answer

Most investor non-QM products require 20-25% down. Some lenders go to 30% for higher-risk assets like condos or multifamily.

Question 4

Can I use a DSCR loan for a fix-and-flip in Vista?

Accepted Answer

No — DSCR is for stabilized rentals. Fix-and-flip deals need bridge or hard money loans designed for short-term projects.

Question 5

What credit score do I need for an investor loan?

Accepted Answer

660 is the typical floor for DSCR products. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 6

Does adding an ADU help me qualify for a DSCR loan in Vista?

Accepted Answer

Yes — if the ADU generates documented rental income, lenders can include it in the DSCR calculation. That can push a marginal deal over the threshold.

Investor Loans in Vista, CA — Built for Real Estate Deals