Question 1

Do I need tax returns for an investor loan in Crescent City?

Accepted Answer

Not on DSCR or hard money loans. Those programs qualify the deal on property income or asset value, not your personal returns.

Question 2

How much down payment do investor loans require here?

Accepted Answer

Expect 20–25% down on most investor programs. Hard money lenders may go higher depending on the deal.

Question 3

Can I finance a vacation rental with a DSCR loan?

Accepted Answer

Some lenders accept short-term rental income using platforms like Airbnb. You'll need documented rental history or a market analysis to support the income.

Question 4

Will lenders finance rural properties in Del Norte County?

Accepted Answer

Yes, but not all lenders will. Wholesale non-QM lenders with rural experience are your best bet. Appraisal quality matters a lot here.

Question 5

What credit score do I need for a DSCR loan in California?

Accepted Answer

Most DSCR lenders want 680 or higher for best pricing. Some programs go down to 620 with a larger down payment. Rates vary by borrower profile and market conditions.

Investor Loans in Crescent City, CA