Question 1

What DSCR do I need to get approved in Rio Vista?

Accepted Answer

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

Question 2

Can I use projected rent to qualify, not actual rent?

Accepted Answer

Yes. Lenders use a rent schedule from the appraisal. The property doesn't need to be currently rented.

Question 3

Do DSCR loans work for short-term rentals in Rio Vista?

Accepted Answer

Some lenders allow STR income. Fewer lenders offer this, and the qualifying rules are stricter. Ask us which programs apply.

Question 4

How is the rate different from a conventional investment loan?

Accepted Answer

DSCR rates run higher than conventional. Rates vary by borrower profile and market conditions.

Question 5

Can I close a DSCR loan under an LLC?

Accepted Answer

Yes. Most DSCR lenders allow entity vesting. This is one reason investors prefer DSCR over conventional financing.

Question 6

How many DSCR loans can I have at once?

Accepted Answer

No hard federal cap — unlike conventional loans. Many lenders set their own portfolio limits, typically 10 or more.

DSCR Loans in Rio Vista — Let the Rent Qualify the Deal