Question 1

Can I use rental income from the property I'm buying to qualify?

Accepted Answer

Yes, DSCR loans qualify you based on the subject property's rental income. No W-2 or tax returns needed if the rent covers the debt.

Question 2

What down payment do investor loans require in Walnut Creek?

Accepted Answer

Most programs require 20-25% down. Some hard money lenders go as low as 15% but charge higher rates for the added risk.

Question 3

How do lenders calculate rental income for qualification?

Accepted Answer

They use a rent schedule or appraisal with comparable rental data. Some lenders accept signed leases if the tenant is already in place.

Question 4

Do investor loan rates differ from primary residence rates?

Accepted Answer

Yes, expect rates 0.5-2% higher than owner-occupied loans. Investment properties carry more risk, so lenders price that in.

Question 5

Can I finance multiple investment properties at once?

Accepted Answer

Portfolio lenders handle multiple properties under one loan. Most conventional programs max out at 4-10 financed properties total.

Investor Loans in Walnut Creek — Financing Rental Properties and Fix-Flip Deals