Loading
Loading
Rio Vista sits along the Sacramento River in Solano County. Investors are finding rental opportunities here that pencil out differently than Bay Area markets.
Lower entry prices mean your rent-to-loan ratio can work in your favor. That ratio — called DSCR — is exactly how this loan gets approved.
620+
Min Credit Score
1.0x
Min DSCR Ratio
20-25%
Down Payment
None
Income Docs Required
30-yr fixed available
Loan Term Options
DSCR Loans in Rio Vista
DSCR lenders want to see the property cover its own debt. Most require a DSCR of 1.0 or higher — meaning rent equals or exceeds the payment.
Credit score minimums typically start at 620. Expect 20-25% down on investment properties. Your tax returns stay out of it entirely.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Rio Vista.
Rio Vista sits along the Sacramento River in Solano County. Investors are finding rental opportunities here that pencil out differently than Bay Area markets.
Lower entry prices mean your rent-to-loan ratio can work in your favor. That ratio — called DSCR — is exactly how this loan gets approved.
DSCR lenders want to see the property cover its own debt. Most require a DSCR of 1.0 or higher — meaning rent equals or exceeds the payment.
DSCR is a non-QM product — meaning most big retail banks won't touch it. You need wholesale lenders who specialize in investor loans.
SRK CAPITAL works with 200+ wholesale lenders. For Rio Vista deals, we shop programs specifically built for small-market rental properties.
Rio Vista isn't a high-velocity market. That cuts both ways. Less competition on offers, but lenders will scrutinize your rent appraisal closely.
Get a solid rental comp analysis before you apply. A weak rent estimate tanks your DSCR and kills the deal before underwriting even starts.
Conventional investment loans want two years of tax returns and rental history. DSCR skips all of that — the property income does the qualifying.
Hard money closes faster but costs more. DSCR gives you a 30-year fixed option with rates closer to conventional. For buy-and-hold investors, that gap matters.
Rio Vista draws retirees, delta recreation buyers, and commuters priced out of Fairfield or Vacaville. That rental demand base is real but narrow.
Properties near the waterfront or with Delta access can command stronger rents. That helps your DSCR. Know your micro-market before you run the numbers.
Most lenders want 1.0 or higher. Some allow below 1.0 with a larger down payment and stronger credit.
Yes. Lenders use a rent schedule from the appraisal. The property doesn't need to be currently rented.
Some lenders allow STR income. Fewer lenders offer this, and the qualifying rules are stricter. Ask us which programs apply.
DSCR rates run higher than conventional. Rates vary by borrower profile and market conditions.
Yes. Most DSCR lenders allow entity vesting. This is one reason investors prefer DSCR over conventional financing.
No hard federal cap — unlike conventional loans. Many lenders set their own portfolio limits, typically 10 or more.