Question 1

What DSCR ratio do I need in Marysville?

Accepted Answer

Most lenders want 1.1 or higher. Some programs allow 1.0, but expect higher rates or stricter terms.

Question 2

Can I use Airbnb income to qualify?

Accepted Answer

Some DSCR lenders accept short-term rental income. You'll need a 12-month rental history or a market analysis from a qualified appraiser.

Question 3

Do I need to be a California resident?

Accepted Answer

No. DSCR loans are available to out-of-state investors. The property just needs to be in California.

Question 4

How many DSCR loans can I have at once?

Accepted Answer

Most DSCR programs have no hard cap. Unlike conventional loans, you aren't limited to 10 financed properties.

Question 5

What credit score do I need for a Marysville DSCR loan?

Accepted Answer

Most lenders start at 620. A 700+ score gets you better rates and more program options. Rates vary by borrower profile and market conditions.

Question 6

Can I buy a duplex or triplex with a DSCR loan?

Accepted Answer

Yes. DSCR works for 1-4 unit properties. The rental income from all units counts toward your ratio.

DSCR Loans in Marysville, CA — Qualify on Rent, Not W-2s