Question 1

Can I use an LLC to buy in Union City?

Accepted Answer

Yes. Most non-QM investor lenders accept LLC vesting. Have your entity formed before you open escrow.

Question 2

How does a DSCR loan qualify me?

Accepted Answer

The property's rental income is compared to the mortgage payment. No W-2 or tax returns required.

Question 3

What's the minimum down payment for an investor loan?

Accepted Answer

Most DSCR and non-QM investor loans require 20-25% down. Hard money may require more depending on the deal.

Question 4

How fast can a hard money loan close in Union City?

Accepted Answer

Hard money lenders can fund in 5-10 business days. That's the main reason flippers use them over traditional financing.

Question 5

Can I finance more than 10 properties through SRK CAPITAL?

Accepted Answer

Yes. Non-QM wholesale lenders have no portfolio cap. We work with investors scaling well beyond 10 properties.

Question 6

Do investor loan rates differ from primary home rates?

Accepted Answer

Yes. Investment property loans carry higher rates than owner-occupied loans. Rates vary by borrower profile and market conditions.

Investor Loans in Union City, CA — Built for Real Deals