Question 1

What DSCR do I need to qualify in Dixon?

Accepted Answer

Most lenders require a 1.0 DSCR minimum. Some allow below 1.0 with higher down payment and stronger credit.

Question 2

Can I use projected rent instead of current rent?

Accepted Answer

Yes — most DSCR lenders use a market rent appraisal form. Your property doesn't need to be rented yet.

Question 3

Can I buy in Dixon under an LLC?

Accepted Answer

Yes. Many DSCR lenders allow LLC vesting. It's one of the few loan types that works cleanly with business entity ownership.

Question 4

How much do I need to put down?

Accepted Answer

Most DSCR programs start at 20% down. Some lenders go to 25% for condos or lower-credit scenarios.

Question 5

Are DSCR rates higher than conventional rates?

Accepted Answer

Yes — expect DSCR rates to run higher than owner-occupied conventional loans. Rates vary by borrower profile and market conditions.

Question 6

Can I do a cash-out refinance with a DSCR loan?

Accepted Answer

Yes. DSCR cash-out refis are common. You qualify on the rental income, not your personal tax returns.

DSCR Loans in Dixon, CA — Qualify on Rental Income