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Dunsmuir sits in Siskiyou County along the Sacramento River. Outdoor tourism and railroad history draw consistent short-term rental demand.
DSCR loans — which qualify you based on rental income, not your W-2 — fit this market well. The property pays for itself, or it doesn't.
1.0 (some at 0.75)
Min DSCR Ratio
620–680 typical
Min Credit Score
20–25% required
Down Payment
21–30 days
Est. Close Time
Non-QM / Investor
Loan Type
DSCR Loans in Dunsmuir
Most lenders want a DSCR of 1.0 or higher. That means the rent covers the mortgage payment dollar for dollar.
Credit score minimums typically land around 620-680. Expect to put down 20-25% on most DSCR deals.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Dunsmuir.
Dunsmuir sits in Siskiyou County along the Sacramento River. Outdoor tourism and railroad history draw consistent short-term rental demand.
DSCR loans — which qualify you based on rental income, not your W-2 — fit this market well. The property pays for itself, or it doesn't.
Most lenders want a DSCR of 1.0 or higher. That means the rent covers the mortgage payment dollar for dollar.
DSCR is a non-QM product. Most retail banks won't touch it. You need wholesale lenders who specialize in investor loans.
We work with 200+ wholesale lenders at SRK CAPITAL. That matters here — rural Siskiyou County deals get declined by lenders who don't understand the market.
Short-term rental income is trickier to use for DSCR qualification. Some lenders want a lease. Others accept Airbnb income projections.
Know your lender's stance before you're in contract. Switching lenders mid-deal in a rural market kills timelines.
Hard money loans close faster but cost more. Rates can run 10-13%. DSCR loans take longer but price closer to conventional investor rates.
Bank statement loans require 12-24 months of statements. DSCR skips that entirely — the rental income does the work.
Dunsmuir's rental market is seasonal. Lenders know it. Some require a vacancy buffer in their cash flow analysis.
Properties near the river or close to Mt. Shasta access tend to appraise and perform better. Location still drives the deal.
Most lenders require a 1.0 DSCR minimum. Some go down to 0.75 with a larger down payment.
Some lenders accept short-term rental projections. Others require an active lease. Confirm before going under contract.
No. DSCR loans qualify based on the property's rent. Your personal income docs stay out of it.
Plan for 20-25% down. Some lenders require more on rural or short-term rental properties.
Typically 21-30 days. Rural appraisals in Siskiyou County can add time — plan accordingly.
Yes, DSCR is non-QM so rates run higher than conventional. Rates vary by borrower profile and market conditions.