Question 1

Can I use a DSCR loan to buy my primary home in Vallejo?

Accepted Answer

No. DSCR is for investment properties only. For a primary residence, you need conventional or a government-backed loan.

Question 2

What credit score do DSCR lenders typically require?

Accepted Answer

Most DSCR lenders want a 660 or higher. Some go to 640, but expect a rate hit below 700.

Question 3

How much down payment does a DSCR loan require?

Accepted Answer

Typically 20-25% down. Some lenders allow 15% with strong DSCR and credit.

Question 4

Can I qualify for a conventional loan with rental income?

Accepted Answer

Yes, if you can document it on tax returns. Lenders usually count 75% of gross rental income toward qualifying.

Question 5

Which loan closes faster in Vallejo?

Accepted Answer

DSCR loans can close fast — sometimes under 21 days — since there's no personal income to verify.

Question 6

Does SRK CAPITAL offer both loan types in Vallejo?

Accepted Answer

Yes. We shop conventional and DSCR programs across 200+ wholesale lenders to find the best fit for your deal.

Conventional vs DSCR Loans in Vallejo, CA