Question 1

Do I need to show personal income for a DSCR loan in Santa Rosa?

Accepted Answer

No. DSCR loans qualify based on the property's rent income vs. its loan payment. Your personal tax returns stay out of it.

Question 2

Can I use a DSCR loan for a short-term rental in Sonoma County?

Accepted Answer

Some lenders allow it, but they'll want proof of a valid permit. Sonoma County caps STR licenses, so verify yours first.

Question 3

How fast can a hard money loan close in Santa Rosa?

Accepted Answer

Many hard money lenders close in 5-10 business days. That speed is why flippers use them on competitive deals.

Question 4

What credit score do investor loan programs require?

Accepted Answer

Most DSCR lenders want 680 or higher. Hard money lenders care more about the deal than your score.

Question 5

How does wildfire risk affect my investor loan in Santa Rosa?

Accepted Answer

Lenders require proof of hazard insurance before funding. High-risk zones can mean steep premiums that hurt your DSCR ratio.

Question 6

Can I scale a portfolio using investor loans in California?

Accepted Answer

Yes. DSCR loans don't cap you at 10 properties like conventional loans do. Serious investors use them to scale fast.

Investor Loans in Santa Rosa, CA