Question 1

What DSCR do I need for an Etna rental property?

Accepted Answer

Most lenders require 1.25 to 1.35 for rural markets. You need monthly rent to exceed the mortgage payment by 25-35% to cover vacancies and maintenance.

Question 2

Can I use DSCR for a vacation rental in Siskiyou County?

Accepted Answer

No. DSCR loans require 12-month lease income from long-term tenants. Short-term rentals don't qualify under standard DSCR programs.

Question 3

Do lenders verify Etna rental rates differently?

Accepted Answer

Appraisers determine qualifying rent using local comparables. Limited sales data in Etna means conservative estimates—budget below your target rent for underwriting.

Question 4

How much down payment do rural DSCR loans require?

Accepted Answer

Expect 20-25% minimum. Rural properties often need 25% down to offset appraisal and liquidity risks that don't exist in metro markets.

Question 5

Will my crypto holdings help me qualify?

Accepted Answer

Some lenders now count verified cryptocurrency as reserves. This doesn't replace property cash flow requirements but can strengthen your overall borrower profile.

DSCR Loans in Etna: Property Cash Flow, Not W-2s