Question 1

Can I use a DSCR loan to flip a property?

Accepted Answer

No. DSCR loans are designed for income-producing rentals, not short-term flips. Use hard money for a flip, then refinance into DSCR if you hold it.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want at least a 620 score. Hard money lenders are far less focused on credit — the property does most of the talking.

Question 3

How fast can hard money close in West Sacramento?

Accepted Answer

Some hard money lenders close in 5 to 10 business days. Speed depends on the lender and how quickly title clears.

Question 4

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

Accepted Answer

Yes, and many investors do exactly that. Acquire or renovate with hard money, then refinance into a long-term DSCR once the property is stabilized.

Question 5

Which loan has lower rates — DSCR or hard money?

Accepted Answer

DSCR rates are substantially lower. Hard money rates reflect short-term risk and speed. Rates vary by borrower profile and market conditions.

Question 6

Do either of these loans require personal income verification?

Accepted Answer

Neither does. DSCR qualifies on rental income. Hard money qualifies on property value and your exit plan — not your personal financials.

DSCR vs Hard Money Loans in West Sacramento