Loading
Loading
Crescent City sits at California's northwest corner, far from the Bay Area frenzy. That distance keeps prices lower and cash-flow math more realistic for rental investors.
Del Norte County attracts buyers priced out of Southern Oregon and coastal California. Demand for rentals is real, and competition from other investors is thin.
620–680
Min Credit (DSCR)
20–25%
Down Payment
None (DSCR)
Income Docs Required
7–10 days
Hard Money Close
1.0x–1.25x
DSCR Coverage Min
Investor Loans in Crescent City
Most investor loans here run through non-QM programs. That means no W-2 required — lenders qualify you on the property's income, not your pay stubs.
DSCR loans are the most common fit. Lenders want the rent to cover 1.0x to 1.25x the monthly payment. Credit scores of 680+ get you the best pricing.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Crescent City.
Crescent City sits at California's northwest corner, far from the Bay Area frenzy. That distance keeps prices lower and cash-flow math more realistic for rental investors.
Del Norte County attracts buyers priced out of Southern Oregon and coastal California. Demand for rentals is real, and competition from other investors is thin.
Most investor loans here run through non-QM programs. That means no W-2 required — lenders qualify you on the property's income, not your pay stubs.
Big retail banks rarely touch non-QM investor deals. Wholesale lenders built for this space will price it better and move faster.
We work with 200+ wholesale lenders. That matters here — rural California properties can spook lenders unfamiliar with Del Norte County values.
Fix-and-flip buyers in Crescent City should look at hard money or bridge loans first. Rehab properties rarely qualify for standard DSCR until the work is done.
On rentals, run the numbers before applying. If market rent doesn't hit 1.0x DSCR, some lenders will let you cross-qualify with other assets — but not all.
Conventional investment loans cap out at 10 financed properties and require full income documentation. DSCR loans have neither restriction.
Hard money moves faster than any other option — sometimes closing in 7–10 days. The trade-off is higher rates and short terms. Use it to buy, then refinance out.
Crescent City's economy ties closely to tourism, timber, and a state prison. Vacancy rates can spike in off-season months. Factor that into your cash flow projections.
Flood zone designations affect parts of Crescent City. Lenders will require flood insurance where applicable. That adds to your monthly carry — price it in.
Not on DSCR or hard money loans. Those programs qualify the deal on property income or asset value, not your personal returns.
Expect 20–25% down on most investor programs. Hard money lenders may go higher depending on the deal.
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.
Yes, but not all lenders will. Wholesale non-QM lenders with rural experience are your best bet. Appraisal quality matters a lot here.
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.