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Suisun City sits in Solano County, one of the Bay Area's most investor-friendly corridors. Rents are strong relative to purchase prices here.
DSCR loans — Debt Service Coverage Ratio loans — qualify you based on what the property earns, not what you earn. That's a real advantage in this market.
620+
Min Credit Score
1.0 (typical)
Min DSCR Ratio
None
Income Docs Required
20–25%
Down Payment
Fixed or ARM
Rate Type
DSCR Loans in Suisun City
Lenders calculate your DSCR by dividing monthly rent by your monthly mortgage payment. A ratio at or above 1.0 means the property covers its own debt.
Most DSCR lenders want a minimum 620 credit score and 20–25% down. Some go lower on the score if the deal cash-flows well.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County, one of the Bay Area's most investor-friendly corridors. Rents are strong relative to purchase prices here.
DSCR loans — Debt Service Coverage Ratio loans — qualify you based on what the property earns, not what you earn. That's a real advantage in this market.
Lenders calculate your DSCR by dividing monthly rent by your monthly mortgage payment. A ratio at or above 1.0 means the property covers its own debt.
Big banks don't touch DSCR loans. These are non-QM products — meaning they fall outside standard government guidelines.
Wholesale lenders specialize in these programs. We shop across 200+ of them to find the sharpest rate and terms for your Suisun City deal.
The deals I see fall apart on one thing: investors underestimate vacancy. Lenders use market rent, not projected rent. Know that number cold.
Short-term rental income — Airbnb, VRBO — gets treated differently across lenders. Some accept it. Others won't touch it. I know which ones do.
Conventional investor loans cap out at 10 financed properties and require full income docs. DSCR has no such cap and skips the income paperwork.
Hard money is faster but far more expensive. DSCR gives you a 30-year fixed rate — real long-term financing, not a short bridge.
Travis Air Force Base drives consistent rental demand in Suisun City. Military families need housing, and they're reliable tenants.
Solano County has grown as remote workers left San Francisco. That demand supports rents and helps your DSCR math work.
Most lenders want a 1.0 or higher. Some programs allow below 1.0 with a stronger down payment or credit score.
Some lenders accept short-term rental income. Others require long-term lease documentation. Lender selection matters here.
No. DSCR lenders qualify the property, not you. Tax returns and pay stubs are not required.
Most programs require 20–25% down. Some lenders allow less with a higher credit score and strong cash flow.
Yes. DSCR loans have no cap on the number of financed properties. That's a major advantage over conventional investor loans.