Question 1

What DSCR ratio do I need to qualify in Santa Rosa?

Accepted Answer

Most lenders want 1.1 or higher. Some programs go down to 1.0, but expect a higher rate.

Question 2

Can I use Airbnb income for a DSCR loan here?

Accepted Answer

Some lenders accept short-term rental income in Sonoma County. Not all do — lender selection matters here.

Question 3

Do DSCR lenders check my personal income?

Accepted Answer

No. They qualify the loan on rent versus payment. Your tax returns stay out of it.

Question 4

What credit score do I need for a DSCR loan?

Accepted Answer

Most programs start at 680. Higher scores get better rates — the spread can be significant.

Question 5

How much do I need to put down on a DSCR loan in Santa Rosa?

Accepted Answer

Plan for 20-25% down. Some programs allow less, but pricing gets worse quickly below 25%.

Question 6

Can I use a DSCR loan to buy a multi-unit property here?

Accepted Answer

Yes. Two-to-four unit properties qualify. Some lenders also do 5+ unit commercial DSCR deals.

DSCR Loans in Santa Rosa: Finance Rentals on Cash Flow