Question 1

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

Accepted Answer

Some lenders accept STR income projections from platforms like AirDNA. Not all do — ask your broker upfront which lenders allow it.

Question 2

How fast does hard money actually close?

Accepted Answer

Many hard money lenders close in 5 to 10 business days. Some move faster for experienced investors with a track record.

Question 3

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want a 620 minimum. Better scores get better rates. The property's income still drives the decision.

Question 4

Do hard money lenders check my credit at all?

Accepted Answer

Most do a soft pull, but credit isn't the deciding factor. Property value and your exit strategy matter far more.

Question 5

Can I refinance a hard money loan into a DSCR loan?

Accepted Answer

Yes — this is a common investor playbook. Stabilize the property, establish rental income, then refi into long-term DSCR financing.

Question 6

Which loan has lower fees in Sonoma County?

Accepted Answer

DSCR loans generally carry lower origination fees and rates. Hard money fees reflect the speed and risk the lender absorbs.

DSCR vs Hard Money Loans in Sebastopol, CA