Question 1

Can I use rental income to qualify for an investor loan in San Leandro?

Accepted Answer

Yes — DSCR loans qualify you based on the property's rent vs. mortgage payment. No personal income docs are needed.

Question 2

How much do I need down for a San Leandro investment property?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders may require more depending on the deal.

Question 3

Does Alameda County rent control affect my DSCR loan?

Accepted Answer

It can. Rent-controlled properties may cap achievable rents. Lower rents reduce your DSCR ratio and could affect approval.

Question 4

What credit score do I need for a San Leandro DSCR loan?

Accepted Answer

Most DSCR lenders set the floor at 620-680. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 5

Can I finance a fix-and-flip in San Leandro without a W-2?

Accepted Answer

Yes. Hard money and bridge lenders focus on the property's value and your exit plan — not employment history.

Question 6

How many investment properties can I finance with a DSCR loan?

Accepted Answer

DSCR loans have no hard cap on financed properties. Each deal is underwritten on its own cash flow, not your total portfolio count.

Investor Loans in San Leandro, CA — Built for Rental & Flip Deals