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Woodland sits in Yolo County between Sacramento and Davis. That location creates steady rental demand from UC Davis students, healthcare workers, and commuters.
Investors here aren't buying trophy properties. They're buying cash-flowing rentals — and DSCR loans are built exactly for that strategy.
620+
Min Credit Score
1.0–1.25
Min DSCR Ratio
20–25%
Down Payment
Non-QM / Investment
Loan Type
None (rent-based)
Income Docs Required
DSCR Loans in Woodland
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
Most lenders want a DSCR of 1.1 or higher. Some programs allow 0.75 if you bring a stronger down payment and credit score.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Woodland.
Woodland sits in Yolo County between Sacramento and Davis. That location creates steady rental demand from UC Davis students, healthcare workers, and commuters.
Investors here aren't buying trophy properties. They're buying cash-flowing rentals — and DSCR loans are built exactly for that strategy.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by the monthly mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
DSCR is a non-QM product. That means retail banks rarely offer it. You need a broker with wholesale non-QM lender access — not a loan officer at your local credit union.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in DSCR programs built for California investors with multiple properties.
The deal I see fall apart most often: investors underestimate the lease requirement. Lenders want a signed lease or an appraiser's market rent analysis. Get that documentation early.
Short-term rental income from Airbnb-style properties is tricky. Some DSCR lenders will use it, most won't. Tell your broker upfront how the property is rented.
Conventional investment loans require two years of tax returns. If you write off aggressively, your qualifying income tanks — even if the property cash flows fine.
DSCR skips that entirely. The property qualifies itself. It's a cleaner path for self-employed investors and anyone with a complex tax picture.
Woodland's proximity to Davis creates a consistent renter pool. Properties near the Highway 113 corridor tend to attract long-term tenants — which is exactly what DSCR lenders want to see.
Yolo County property taxes run under state averages for comparable Sacramento metros. Lower tax burden helps your DSCR ratio by keeping the effective payment lower.
Yes. Most DSCR lenders accept a market rent analysis from the appraiser. You don't need a tenant in place at closing.
Many DSCR lenders allow LLC vesting. Some require a personal guarantee. We'll match you with lenders whose LLC policies fit your structure.
Most programs start at 620. Better pricing kicks in above 700. Higher scores also open lower DSCR ratio requirements.
No hard cap with most non-QM lenders. Some limit to 10 financed properties, others go higher. Portfolio programs exist for active investors.
Rental demand from UC Davis and Sacramento commuters supports consistent occupancy. That stability is exactly what DSCR underwriters look for.
Expect 20–25% down for most programs. Some lenders require 25% on 2–4 unit properties. Rates vary by borrower profile and market conditions.