Question 1

Can I use Airbnb income to qualify for a DSCR loan in Ojai?

Accepted Answer

Some lenders accept short-term rental income using market rent estimates or platforms like AirDNA. Not all do — lender selection is critical.

Question 2

What down payment do I need for an investment property in Ojai?

Accepted Answer

Most programs require 20-25% down. Some non-QM lenders go to 75-80% LTV on stronger cash-flowing properties.

Question 3

How fast can I close on a fix-and-flip in Ojai?

Accepted Answer

Hard money loans can close in 7-14 days. That speed matters when competing for distressed or off-market deals.

Question 4

Does Ojai have restrictions on short-term rentals?

Accepted Answer

Ventura County regulates short-term rentals. Confirm local permit rules before projecting Airbnb income into your deal analysis.

Question 5

What credit score do I need for an investor loan?

Accepted Answer

Most DSCR programs start at 660. Better rates come with scores above 720. Rates vary by borrower profile and market conditions.

Question 6

Is a DSCR loan better than a conventional loan for Ojai rentals?

Accepted Answer

Conventional limits you to 10 financed properties and uses your personal income. DSCR scales better for active investors.

Investor Loans in Ojai, CA — Built for Real Estate Returns