Question 1

Do I need tax returns for a DSCR loan in Weed?

Accepted Answer

No. DSCR loans skip personal income docs entirely. The property's rent covers qualification.

Question 2

Can short-term rental income qualify for DSCR?

Accepted Answer

Yes, but lenders want documented history or a third-party market report. Projected income alone won't cut it.

Question 3

What DSCR ratio do lenders require?

Accepted Answer

Most lenders want 1.0 or above. Some allow below 1.0 with a larger down payment and stronger credit.

Question 4

Will lenders finance rural Siskiyou County properties?

Accepted Answer

Some will, some won't. Rural overlays are real. We filter for lenders with actual rural CA appetite before submitting.

Question 5

What's a typical down payment for a DSCR loan?

Accepted Answer

Expect 20-25% down for most DSCR loans. Higher leverage options exist but come with tighter requirements.

DSCR Loans in Weed, CA — Let the Rental Income Qualify