Question 1

Can I use Airbnb income to qualify for a DSCR loan in Capitola?

Accepted Answer

Some lenders accept short-term rental income with 12 months of platform history. Not all do — this is where lender selection matters.

Question 2

How much do I need to put down on an investor property?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go higher depending on the deal.

Question 3

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

Accepted Answer

No. DSCR loans qualify based on the property's rental income versus its debt payments. Your personal returns aren't part of the equation.

Question 4

What credit score do I need for an investor loan?

Accepted Answer

Most DSCR lenders want 680 or above for competitive terms. Some programs allow lower scores with larger down payments.

Question 5

Are short-term rentals allowed in Capitola?

Accepted Answer

STR rules vary by location within Capitola. Confirm permit eligibility before you apply — lenders and underwriters will check.

Question 6

What's the difference between a DSCR loan and a hard money loan?

Accepted Answer

DSCR is for stabilized rentals with a long-term hold strategy. Hard money is faster, short-term, and built for flips or quick closings.

Investor Loans in Capitola, CA — Built for the Santa Cruz Coast