Question 1

Can I use a DSCR loan to buy a primary home?

Accepted Answer

No. DSCR is for investment properties only. For a primary home in Dinuba, you need conventional or a government-backed loan.

Question 2

What credit score do DSCR lenders require?

Accepted Answer

Most DSCR lenders want a 660–680 minimum. Conventional loans start at 620.

Question 3

How much down payment does a DSCR loan require?

Accepted Answer

Expect 20–25% down on a DSCR loan. Conventional can go as low as 3% for primary residences.

Question 4

Do DSCR lenders check my income at all?

Accepted Answer

No income docs, no tax returns. Lenders only evaluate whether the rent covers the mortgage payment.

Question 5

Which loan is faster to close in Dinuba?

Accepted Answer

DSCR can close faster since there's no income verification. Conventional timelines depend on appraisal and underwriting.

Question 6

Can I hold a DSCR loan in an LLC?

Accepted Answer

Yes. Most DSCR lenders allow LLC vesting. Conventional loans typically require individual borrower ownership.

Conventional vs DSCR Loans in Dinuba, CA