Question 1

What DSCR ratio do I need to qualify in Dorris?

Accepted Answer

Most lenders want 1.1 or above. Some go lower with more down. The property's rent has to carry the payment.

Question 2

Can I use projected rent instead of actual rent?

Accepted Answer

Yes, if the property is vacant. Lenders use a market rent appraisal. In rural Dorris, those comps can be limited.

Question 3

Does my personal income affect this loan?

Accepted Answer

No. DSCR lenders don't verify personal income. The property qualifies the loan, not your tax returns.

Question 4

Are DSCR loans available for rural Siskiyou County?

Accepted Answer

Yes, but not every lender will touch rural markets. We work with wholesale lenders who regularly approve rural CA investment properties.

Question 5

What property types qualify for DSCR in Dorris?

Accepted Answer

Single-family rentals and small multifamily up to 4 units are standard. Land-heavy parcels or agricultural properties need specialized lenders.

DSCR Loans for Dorris, CA Investment Properties