Question 1

Can I use a DSCR loan to buy a primary residence in Weed?

Accepted Answer

No. DSCR loans are investment property only. For a primary home, you need conventional or a government-backed loan.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want at least a 680. Some go lower, but pricing gets worse fast below that threshold.

Question 3

Do conventional loans work for short-term rentals?

Accepted Answer

Yes, but only if you occupy the property. Pure investment purchases follow investment property pricing and guidelines.

Question 4

Which loan has a lower down payment?

Accepted Answer

Conventional wins here — as low as 3% for primary homes. DSCR loans typically require 20%-25% down.

Question 5

Is Weed a good market for DSCR investing?

Accepted Answer

Mount Shasta access drives short-term rental demand. Strong rental income helps hit the DSCR ratios lenders require.

Conventional vs DSCR Loans in Weed, CA