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Piedmont is one of the tightest real estate markets in Alameda County. Properties here move fast and carry premium price tags.
Investors targeting Piedmont need financing that closes quickly. Conventional investment loans rarely move fast enough to compete.
680+
Min Credit Score
20–25%
Typical Down Payment
2–3 Weeks
DSCR Close Time
None (DSCR)
Income Docs Required
Varies by Program
Rate Type
Investor Loans in Piedmont
Investor loans are non-QM products. Lenders skip your W-2s and focus on the property's income potential or your asset base.
Most lenders want a 680+ credit score and 20-25% down for a rental purchase. Fix-and-flip projects may require more skin in the game.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Piedmont.
Piedmont is one of the tightest real estate markets in Alameda County. Properties here move fast and carry premium price tags.
Investors targeting Piedmont need financing that closes quickly. Conventional investment loans rarely move fast enough to compete.
Investor loans are non-QM products. Lenders skip your W-2s and focus on the property's income potential or your asset base.
Retail banks are slow and stingy with investor loans. Wholesale lenders built for non-QM move faster and approve more deal structures.
We work with 200+ wholesale lenders. That means we can match your Piedmont deal to a lender who actually wants that loan.
Piedmont is not a fix-and-flip market. Buyers here are affluent and the supply is thin — most investors come in for long-term holds.
DSCR loans are the sharpest tool for buy-and-hold here. They qualify on rent income, not yours. That matters when your tax returns show losses.
Conventional investment loans cap at 10 financed properties and demand full income documentation. That stops most active investors cold.
DSCR loans have no income docs and no property count ceiling. Hard money moves in days when a deal needs to close fast.
Piedmont sits entirely within Alameda County. Conforming loan limits apply, but most investor deals here push into jumbo territory.
The city has no unincorporated pockets. Zoning is tightly controlled, which limits multifamily plays and keeps the market single-family dominated.
Most lenders want 680 or higher for rental purchases. Hard money lenders may go lower but compensate with higher rates.
Yes. DSCR loans qualify on the property's rent income, not yours. No tax returns or pay stubs required.
DSCR loans typically close in 2-3 weeks. Hard money can close in days when the deal demands speed.
Plan on 20-25% for a rental purchase. Fix-and-flip projects and hard money deals may require 30% or more.
Not typically. Inventory is scarce and margins are thin. Most investors here target long-term rentals, not flips.
DSCR loans are the go-to for buy-and-hold. Interest-only options can improve cash flow on higher-priced assets.