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Rohnert Park sits in the heart of Sonoma County — close to SRJC, Highway 101, and a steady base of renters. That's a solid setup for DSCR investors.
DSCR loans qualify based on rental income, not your tax returns. If the property cash flows, you can get approved.
620+
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20-25%
Down Payment
None (property-based)
Income Docs Required
Non-QM / Investor
Loan Type
DSCR Loans in Rohnert Park
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage payment. Some lenders go down to 0.75 with a larger down payment.
Expect a minimum 620 credit score and 20-25% down. The property type matters — single-family rentals get better terms than short-term rentals.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Rohnert Park.
Rohnert Park sits in the heart of Sonoma County — close to SRJC, Highway 101, and a steady base of renters. That's a solid setup for DSCR investors.
DSCR loans qualify based on rental income, not your tax returns. If the property cash flows, you can get approved.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full mortgage payment. Some lenders go down to 0.75 with a larger down payment.
DSCR is a non-QM product. Retail banks rarely offer it. You need a broker with wholesale access to non-QM lenders who actually know this product.
We work with 200+ wholesale lenders, including several non-QM specialists. Rates and DSCR minimums vary widely — shopping matters on these loans.
The number that kills most DSCR deals in Sonoma County is the rent schedule. Get a market rent analysis before you apply — not after.
Short-term rental income is trickier to use. Some lenders want 12 months of Airbnb history. Others use long-term comparable rents instead.
Hard money is faster but costs more. Bridge loans work for short holds. DSCR is the right tool when you're buying a rental to hold long-term.
Bank statement loans use your income — DSCR uses the property's. Self-employed investors often qualify for both. Run the numbers on each.
Rohnert Park has a younger renter population tied to Sonoma State and local employers. Occupancy rates here support strong DSCR calculations.
Sonoma County has rent control ordinances in some jurisdictions. Confirm the rules in Rohnert Park before projecting rent increases into your deal model.
It qualifies you based on rental income, not personal income. If the property's rent covers the mortgage, you can get approved.
Most lenders require 1.0 or higher. Some go down to 0.75 with more money down.
Some lenders accept it with 12 months of documented history. Others use long-term market rents instead.
No. That's the point. The property's income qualifies you, not your personal financials.
Minimum is 620 with most lenders. A 680+ score gets you better rates and looser terms.
Plan for 20-25% down. Short-term rental properties often require closer to 25-30%.