Question 1

Can I use an LLC to buy an investment property in Dixon?

Accepted Answer

Yes. Most non-QM and DSCR lenders allow LLC vesting. Confirm with the lender upfront — some require personal guarantees.

Question 2

What credit score do I need for a Dixon investor loan?

Accepted Answer

Most DSCR programs start at 680. Stronger scores get better pricing. Rates vary by borrower profile and market conditions.

Question 3

Do lenders count short-term rental income for DSCR in Dixon?

Accepted Answer

Some do, some don't. STR-friendly lenders may use platforms like Airbnb income history. Not all programs allow it — confirm before applying.

Question 4

How much down payment do investor loans require?

Accepted Answer

Expect 20-25% down on most DSCR and non-QM products. Some programs allow 15% with stronger credit and reserves.

Question 5

What is a DSCR loan and how does it work?

Accepted Answer

DSCR stands for debt-service coverage ratio. The lender divides the property's rental income by the mortgage payment to confirm it cash flows.

Question 6

Can I finance multiple properties in Solano County?

Accepted Answer

Yes. Non-QM lenders routinely allow 10+ financed properties. Portfolio lending structures work well for investors scaling up.

Investor Loans in Dixon, CA — Built for Real Returns