Question 1

Can I use an LLC to buy a rental in Gridley?

Accepted Answer

Yes. Most DSCR and hard money lenders allow LLC vesting. It's one of the main reasons investors prefer these programs over conventional loans.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most lenders start at 660. Better scores get better rates. Rates vary by borrower profile and market conditions.

Question 3

How fast can a hard money loan close in Gridley?

Accepted Answer

Many hard money lenders close in 7-14 days. Speed depends on title, appraisal, and lender pipeline at the time.

Question 4

Do Gridley rentals qualify for DSCR loans?

Accepted Answer

Yes, if rental income covers the mortgage payment at a 1.0 ratio or better. Lenders use a market rent appraisal to verify income.

Question 5

Can I finance multiple Gridley properties at once?

Accepted Answer

DSCR lenders typically have no hard cap on financed properties. Portfolio loan structures are also available for multiple assets.

Investor Loans in Gridley, CA — Built for Real Deals