Question 1

What DSCR ratio do I need to qualify in Mountain View?

Accepted Answer

Most lenders require 1.0 or higher. Some allow below 1.0 with strong credit and reserves.

Question 2

Can I use Airbnb or short-term rental income for DSCR?

Accepted Answer

Select lenders accept short-term rental income using market data. Not all do — ask upfront.

Question 3

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

Accepted Answer

No. The property's rent is what qualifies you. Personal income docs are not required.

Question 4

How much do I need to put down on a Mountain View rental?

Accepted Answer

Plan for 20 to 25 percent down. Higher down payments can improve your rate and DSCR approval odds.

Question 5

Are DSCR loans available for multi-unit properties?

Accepted Answer

Yes. Many lenders finance 2-4 unit properties and some go up to small commercial. Guidelines vary by lender.

Question 6

Is a DSCR loan harder to get in a high-price market like Mountain View?

Accepted Answer

The math gets tighter when purchase prices are high. Run your DSCR ratio early and compare multiple lenders.

DSCR Loans in Mountain View: Finance Rentals on Cash Flow