Question 1

What DSCR ratio do I need to qualify in Oxnard?

Accepted Answer

Most lenders want 1.1 or higher. Some accept 0.75 with strong credit and larger down payments.

Question 2

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

Accepted Answer

Some lenders accept short-term rental income with 12 months of platform history. Others require long-term lease comps instead.

Question 3

How many Oxnard properties can I finance with DSCR?

Accepted Answer

DSCR has no hard cap on financed properties. Each property qualifies on its own rental income.

Question 4

Do I need an LLC to get a DSCR loan in Ventura County?

Accepted Answer

No. DSCR loans work for individuals and LLCs. Some lenders price LLC loans slightly higher.

Question 5

What property types qualify for DSCR in Oxnard?

Accepted Answer

Single-family, condos, 2-4 units, and sometimes 5+ unit properties qualify. Warrantable condo rules still apply.

Question 6

How fast can a DSCR loan close in Oxnard?

Accepted Answer

Most DSCR loans close in 21-30 days. Experienced lenders with clean files can move faster.

DSCR Loans in Oxnard: Finance Investment Property on Rental Income