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Colusa is a small agricultural county seat in California's Sacramento Valley. Low price points and steady rental demand make it worth a look for buy-and-hold investors.
Farmland, single-family rentals, and small multifamily — Colusa has all three. The competition from institutional buyers is nothing like Sacramento or the Bay Area.
620+
Min Credit Score
20-25%
Down Payment
Not Required
Income Verification
21-30 Days
Est. Close Time
Investor Loans in Colusa
Investor loans are non-QM products. Lenders skip the W-2 income review and focus on the property's cash flow or your asset base instead.
Most DSCR lenders want a 620+ credit score and 20-25% down. Fix-and-flip and bridge products often have more flexible credit requirements but shorter terms.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Colusa.
Colusa is a small agricultural county seat in California's Sacramento Valley. Low price points and steady rental demand make it worth a look for buy-and-hold investors.
Farmland, single-family rentals, and small multifamily — Colusa has all three. The competition from institutional buyers is nothing like Sacramento or the Bay Area.
Investor loans are non-QM products. Lenders skip the W-2 income review and focus on the property's cash flow or your asset base instead.
Most retail banks won't touch investor loans in small rural markets like Colusa. Wholesale lenders are a different story.
We work with 200+ wholesale lenders. Several specialize in rural California rentals and DSCR deals where traditional banks say no.
In a market like Colusa, the DSCR calculation is everything. A property renting for $1,400/month needs to cover its full loan payment — taxes and insurance included.
Fix-and-flip works here only if your exit is solid. ARV comps in small markets are thin. Lenders know this and price the risk into the rate.
DSCR loans are the cleanest fit for buy-and-hold in Colusa. Hard money moves faster but costs more — best reserved for short-term projects.
Bridge loans make sense if you're repositioning a property before refinancing into a long-term DSCR. Interest-only options keep early cash flow positive.
Colusa County has a small appraiser pool. Rural appraisals take longer and comps can be limited. Build extra time into your close date.
Agricultural zoning is common near town. Verify residential or mixed-use zoning before you go under contract — some lenders won't lend on ag-zoned parcels.
Yes. DSCR loans qualify you based on rent, not your personal income. The property's cash flow does the work.
Yes. DSCR and bridge products cover 1-4 unit properties. Some lenders go up to 8-10 units on portfolio programs.
Plan on 20-25% for most DSCR products. Hard money lenders may go lower but charge higher rates. Rates vary by borrower profile and market conditions.
Most won't. Confirm residential zoning before applying — ag-zoned land in Colusa County is a common deal-killer.
Most DSCR lenders require 620 minimum. Better rates kick in at 700+. Hard money lenders are more flexible.
DSCR loans typically close in 21-30 days. Rural appraisal delays can push that out — build in buffer time.