Question 1

Can I use projected rent if the property is vacant?

Accepted Answer

Yes. Most DSCR lenders accept a market rent analysis from the appraiser. You don't need a tenant in place at closing.

Question 2

Does my LLC qualify for a DSCR loan in Woodland?

Accepted Answer

Many DSCR lenders allow LLC vesting. Some require a personal guarantee. We'll match you with lenders whose LLC policies fit your structure.

Question 3

What credit score do I need for a DSCR loan?

Accepted Answer

Most programs start at 620. Better pricing kicks in above 700. Higher scores also open lower DSCR ratio requirements.

Question 4

How many DSCR loans can I have at once?

Accepted Answer

No hard cap with most non-QM lenders. Some limit to 10 financed properties, others go higher. Portfolio programs exist for active investors.

Question 5

Is Woodland a good market for DSCR investing?

Accepted Answer

Rental demand from UC Davis and Sacramento commuters supports consistent occupancy. That stability is exactly what DSCR underwriters look for.

Question 6

What's the minimum down payment for a DSCR loan?

Accepted Answer

Expect 20–25% down for most programs. Some lenders require 25% on 2–4 unit properties. Rates vary by borrower profile and market conditions.

DSCR Loans in Woodland, CA — Qualify on Rental Income, Not Your W-2