Question 1

Can I buy a short-term rental in Solvang with a DSCR loan?

Accepted Answer

Yes, many DSCR lenders allow STR income. You'll need a market rent analysis and proof STR is permitted in that zone.

Question 2

Do I need to show personal tax returns?

Accepted Answer

Not on DSCR loans. The property's rent income qualifies you — your tax returns stay out of it.

Question 3

What's the minimum down payment for an investor loan in Solvang?

Accepted Answer

Most investor programs require 20-25% down. Some bridge products require more depending on the deal structure.

Question 4

Can I close in an LLC for a Solvang investment property?

Accepted Answer

Yes. Most non-QM investor loans allow LLC vesting. Conventional loans typically don't — that's a key difference.

Question 5

How fast can investor loans close in California?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in under two weeks on clean deals.

Investor Loans in Solvang, CA — Built for Real Estate Returns