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Dixon sits at the edge of Sacramento Valley, close to I-80 and affordable compared to Bay Area markets. That gap attracts investors hunting cash-flowing rentals.
Solano County rents have drawn out-of-area buyers who can't pencil deals closer to the coast. Dixon fits that profile — lower entry price, real rental demand.
620–680
Min Credit Score
1.0x
Min DSCR Ratio
20%
Min Down Payment
Up to 30 Years
Loan Term
Fixed & ARM Options
Rate Type
DSCR Loans in Dixon
DSCR loans qualify you based on the property's rent, not your tax returns. If the rent covers the mortgage payment, you can get approved.
Most lenders want a DSCR of 1.0 or higher — that means rent equals or beats the monthly payment. Stronger ratios get better pricing.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits at the edge of Sacramento Valley, close to I-80 and affordable compared to Bay Area markets. That gap attracts investors hunting cash-flowing rentals.
Solano County rents have drawn out-of-area buyers who can't pencil deals closer to the coast. Dixon fits that profile — lower entry price, real rental demand.
DSCR loans qualify you based on the property's rent, not your tax returns. If the rent covers the mortgage payment, you can get approved.
Banks rarely touch DSCR loans. These are non-QM products — meaning non-traditional mortgage programs — handled by wholesale lenders who specialize in investor deals.
Rates vary across lenders more than you'd expect. One lender may price a 1.1 DSCR deal aggressively while another passes entirely. Shopping matters here.
The biggest mistake Dixon investors make is using a bank. Banks don't have DSCR programs. You need a broker with non-QM access.
Short-term rental income is accepted by some lenders using platforms like Airbnb. If your Dixon property is near UC Davis or the fairgrounds, that matters.
Hard money loans close faster but carry much higher rates and short terms. DSCR loans are longer-term — 30-year fixed options exist — with better pricing.
Bank statement loans work if you show business revenue. DSCR loans ignore your income entirely. For passive investors, that's a cleaner structure.
Dixon is a small market. Appraisers sometimes struggle to find comps, which can compress your appraised value. Bring strong rental comps to your lender early.
Solano County has no rent control ordinance like some California cities. That gives investors more flexibility on pricing and lease terms.
Most lenders require a 1.0 DSCR minimum. Some allow below 1.0 with higher down payment and stronger credit.
Yes — most DSCR lenders use a market rent appraisal form. Your property doesn't need to be rented yet.
Yes. Many DSCR lenders allow LLC vesting. It's one of the few loan types that works cleanly with business entity ownership.
Most DSCR programs start at 20% down. Some lenders go to 25% for condos or lower-credit scenarios.
Yes — expect DSCR rates to run higher than owner-occupied conventional loans. Rates vary by borrower profile and market conditions.
Yes. DSCR cash-out refis are common. You qualify on the rental income, not your personal tax returns.