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Marysville sits in Yuba County, just north of Sacramento. Rental demand here is steady — driven by affordability seekers priced out of the Bay Area.
DSCR loans fit this market well. Buy a rental, qualify on the rent it generates. Your personal tax returns stay out of it.
1.0 – 1.1+
Min DSCR Ratio
620
Min Credit Score
20–25%
Down Payment
Non-QM / Investment
Loan Type
None
Income Docs Required
DSCR Loans in Marysville
Lenders calculate your Debt Service Coverage Ratio by dividing monthly rent by your mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
Most DSCR lenders want a ratio of 1.1 or higher. You also need a 620+ credit score and at least 20% down on investment property.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Marysville.
Marysville sits in Yuba County, just north of Sacramento. Rental demand here is steady — driven by affordability seekers priced out of the Bay Area.
DSCR loans fit this market well. Buy a rental, qualify on the rent it generates. Your personal tax returns stay out of it.
Lenders calculate your Debt Service Coverage Ratio by dividing monthly rent by your mortgage payment. A ratio of 1.0 means rent covers the payment exactly.
DSCR is a non-QM product. Big banks won't touch it. You need wholesale lenders who specialize in investor loans.
At SRK CAPITAL, we access 200+ wholesale lenders. That means we can shop DSCR rates and terms across a wide pool — not just one institution's menu.
Self-employed investors get tripped up by conventional loans. DSCR sidesteps that entirely. The property qualifies — you don't.
One thing I see often: investors underestimate what rent comps need to show. Get a solid lease or market rent appraisal before you apply. It drives the whole approval.
Conventional investment loans require full income docs and cap you at 10 financed properties. DSCR has no such cap on most programs.
Hard money is faster but expensive — rates and fees are punishing for a long-term hold. DSCR gives you a 30-year fixed with investment-grade pricing. Rates vary by borrower profile and market conditions.
Marysville's lower price points mean smaller loan balances. That actually helps your DSCR — rent covers debt service more easily on cheaper assets.
Yuba County has a mix of single-family rentals and small multifamily. Both can work with DSCR. Lenders just want documented rental income or a solid market rent analysis.
Most lenders want 1.1 or higher. Some programs allow 1.0, but expect higher rates or stricter terms.
Some DSCR lenders accept short-term rental income. You'll need a 12-month rental history or a market analysis from a qualified appraiser.
No. DSCR loans are available to out-of-state investors. The property just needs to be in California.
Most DSCR programs have no hard cap. Unlike conventional loans, you aren't limited to 10 financed properties.
Most lenders start at 620. A 700+ score gets you better rates and more program options. Rates vary by borrower profile and market conditions.
Yes. DSCR works for 1-4 unit properties. The rental income from all units counts toward your ratio.