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Paradise is a rebuilding market. Post-Camp Fire recovery created real opportunity for investors willing to move early.
Butte County has a strong rental demand base. Reconstruction brings workers, contractors, and long-term residents who need housing.
680+
Min Credit (DSCR)
20-25%
Min Down Payment
7-14 Days
Hard Money Close
Not on DSCR
Tax Returns Required
Deal & Profile
Rates Vary By
Investor Loans in Paradise
Most investor loans skip tax returns entirely. Lenders qualify you on rental income, asset depletion, or the property's cash flow instead.
Credit requirements vary by product. DSCR loans typically want a 680+ score. Hard money lenders care more about the deal than your credit file.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Paradise.
Paradise is a rebuilding market. Post-Camp Fire recovery created real opportunity for investors willing to move early.
Butte County has a strong rental demand base. Reconstruction brings workers, contractors, and long-term residents who need housing.
Most investor loans skip tax returns entirely. Lenders qualify you on rental income, asset depletion, or the property's cash flow instead.
Big retail banks don't love Paradise right now. The fire history makes them nervous, and their overlays reflect that.
Wholesale lenders are different. We work with 200+ of them, and several specialize in rebuilding and non-QM markets exactly like this one.
The smartest play in Paradise right now is DSCR. If the rent covers the mortgage, you can qualify — even with multiple properties already financed.
Fix-and-flip deals here need hard money or bridge financing. New construction timelines in a rebuilding zone make short-term capital essential.
Conventional investment loans cap you at 10 financed properties. DSCR loans don't. If you're building a portfolio, that ceiling matters.
Interest-only investor loans lower your monthly payment and boost short-term cash flow. They're worth running the numbers on in a rent-constrained market.
Insurance is the real wildcard in Paradise. Carrier availability is limited post-fire, and some lenders require proof of coverage before issuing a loan commitment.
Property values are still recovering. That creates buying opportunity, but appraisals can come in conservative. Budget for that gap when structuring your offer.
Yes. Newly rebuilt properties can qualify for DSCR or hard money programs. Lenders will want a completed appraisal and proof of insurance.
Not always. DSCR loans skip tax returns and qualify based on the property's rent income. That's a major advantage for self-employed investors.
Some lenders add overlays in fire-affected zones. We shop lenders who actively work in rebuilding markets and don't penalize Paradise properties.
DSCR loans typically require 20-25% down. Hard money deals vary — some lenders go higher LTV if the numbers pencil.
Some DSCR lenders accept a market rent appraisal for vacant properties. Not all do — this is where lender selection makes a real difference.
Hard money can close in 7-14 days. DSCR loans typically run 21-30 days. Conventional investor loans take longer and have more conditions.