Question 1

What DSCR ratio do I need to qualify in Dunsmuir?

Accepted Answer

Most lenders require a 1.0 DSCR minimum. Some go down to 0.75 with a larger down payment.

Question 2

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

Accepted Answer

Some lenders accept short-term rental projections. Others require an active lease. Confirm before going under contract.

Question 3

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

Accepted Answer

No. DSCR loans qualify based on the property's rent. Your personal income docs stay out of it.

Question 4

How much do I need to put down on a Dunsmuir rental property?

Accepted Answer

Plan for 20-25% down. Some lenders require more on rural or short-term rental properties.

Question 5

How long does a DSCR loan take to close?

Accepted Answer

Typically 21-30 days. Rural appraisals in Siskiyou County can add time — plan accordingly.

Question 6

Are DSCR loan rates higher than conventional rates?

Accepted Answer

Yes, DSCR is non-QM so rates run higher than conventional. Rates vary by borrower profile and market conditions.

DSCR Loans for Dunsmuir Rental Properties