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Biggs is a small agricultural town in Butte County. Low entry prices make it worth a look for buy-and-hold investors.
Rural California markets like Biggs can offer strong rental yields. Fewer competing buyers means more room to negotiate.
620–660+
Min Credit Score
20–25%
Down Payment
Not required (DSCR)
Income Docs
Fixed & ARM options
Rate Type
Investor Loans in Biggs
Investor loans are non-QM products. Lenders qualify you on the property's income, not your W-2 or tax returns.
Most programs want at least 20-25% down. Credit scores of 660+ get the best terms, though 620 can work with more equity.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Biggs.
Biggs is a small agricultural town in Butte County. Low entry prices make it worth a look for buy-and-hold investors.
Rural California markets like Biggs can offer strong rental yields. Fewer competing buyers means more room to negotiate.
Investor loans are non-QM products. Lenders qualify you on the property's income, not your W-2 or tax returns.
Big retail banks rarely touch investor loans in small rural towns. Wholesale lenders built for non-QM don't care about zip code.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means real options in markets like Biggs that most brokers skip.
DSCR loans are the go-to structure here. The lender checks if rent covers the mortgage — your personal income stays out of it.
Fix-and-flip in a town this size requires speed. Hard money or bridge financing closes fast. Rates are higher, but so is flexibility.
Conventional investment loans cap out at 10 financed properties. Non-QM investor loans have no such ceiling.
Interest-only options reduce monthly carry costs on flips. That matters when you're holding a vacant property.
Butte County has a steady agricultural workforce. That tenant base supports long-term single-family rentals.
Properties here are affordable relative to most of California. That helps DSCR ratios look strong from day one.
No. DSCR loans qualify based on rental income vs. the mortgage payment. Your tax returns stay out of the equation.
Most programs require 20-25% down. Higher down payments can improve your rate and approval odds.
Yes. Hard money and bridge loans work in rural markets. Approval depends more on the deal than the location.
Non-QM investor loans have no hard cap on financed properties. Conventional loans stop at 10.
660+ gets the best pricing. Some programs go down to 620 with stronger equity or cash reserves.