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Healdsburg draws serious real estate investors. Wine country tourism keeps short-term rental demand strong year-round.
DSCR loans fit this market well. Lenders look at what the property earns — not what you earn personally.
1.1x (most lenders)
Min DSCR Ratio
620
Min Credit Score
20-25%
Down Payment
Non-QM / Investor
Loan Type
None
Income Docs Required
DSCR Loans in Healdsburg
To qualify, your rental income must cover the mortgage payment. A DSCR of 1.0 means the property breaks even. Most lenders want 1.1 or higher.
Credit score requirements typically start at 620. Expect to put 20-25% down on most DSCR deals.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Healdsburg.
Healdsburg draws serious real estate investors. Wine country tourism keeps short-term rental demand strong year-round.
DSCR loans fit this market well. Lenders look at what the property earns — not what you earn personally.
To qualify, your rental income must cover the mortgage payment. A DSCR of 1.0 means the property breaks even. Most lenders want 1.1 or higher.
DSCR is a non-QM loan. Most banks don't offer it. You need wholesale lenders who specialize in investor programs.
We work with 200+ wholesale lenders at SRK CAPITAL. That means we can shop DSCR terms across lenders who actually close these deals.
Short-term rental income is tricky on DSCR deals. Some lenders won't count Airbnb revenue at all. Others use AirDNA projections.
Know your lender's policy before you're in escrow. In Healdsburg, this distinction can make or break your qualification.
Conventional investor loans cap out at 10 financed properties. DSCR has no such hard limit with most lenders.
Bank statement loans let you use business deposits to qualify. DSCR skips your income entirely — the property does the qualifying.
Healdsburg sits in a high-demand wine country corridor. Properties here command premium nightly rates on platforms like Airbnb and VRBO.
Sonoma County has local STR ordinances. Confirm your permit status before projecting rental income for DSCR qualification.
Most lenders want a DSCR of 1.1 or higher. Some allow 1.0 with a higher down payment or stronger credit.
Some lenders accept short-term rental income using AirDNA projections. Others require long-term lease comparables instead.
No. DSCR lenders qualify you based on the property's income. Your personal tax returns are not required.
Most DSCR lenders start at 620. A score of 700+ typically gets you better rates. Rates vary by borrower profile and market conditions.
Plan for 20-25% down on most deals. Some lenders go higher depending on property type or loan amount.
Yes — but confirm your STR permit status first. Lenders need to see viable rental income, and unpermitted rentals create underwriting problems.