Question 1

What DSCR do I need to get approved in Lathrop?

Accepted Answer

Most lenders want 1.1 or above. Some go to 1.0 with a higher down payment or stronger credit score.

Question 2

Can I use a short-term rental for DSCR qualification?

Accepted Answer

Some lenders allow it using AirDNA or similar data. Not all do — you need a lender that specifically allows STR income.

Question 3

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

Accepted Answer

No. DSCR lenders qualify the property, not you. No pay stubs, W-2s, or tax returns required.

Question 4

How much do I need to put down on a DSCR loan?

Accepted Answer

Plan for 20-25% down. Some lenders go lower with a higher rate. Cash reserves also matter to underwriters.

Question 5

Can I use a DSCR loan to buy a duplex in Lathrop?

Accepted Answer

Yes. DSCR loans work on 1-4 unit properties and some small multifamily. The full rental income from all units counts.

Question 6

How is DSCR different from a hard money loan?

Accepted Answer

Hard money is short-term and expensive — built for flips. DSCR is a long-term hold loan with 30-year amortization options.

DSCR Loans for Lathrop Rental Properties