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Placerville sits in El Dorado County foothills — a market with rental demand from Sacramento commuters and seasonal tourism.
Fix-and-flip and long-term rental plays both exist here. The right loan structure depends on your exit strategy.
660+ typical
Min Credit Score
20–25%
Down Payment
Not required (DSCR)
Income Docs
7–14 days
Hard Money Close
Vary by loan type
Rates
Investor Loans in Placerville
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you.
DSCR loans qualify based on the property's rent income. Most lenders want a DSCR ratio of 1.0 or better.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Placerville.
Placerville sits in El Dorado County foothills — a market with rental demand from Sacramento commuters and seasonal tourism.
Fix-and-flip and long-term rental plays both exist here. The right loan structure depends on your exit strategy.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you.
Most traditional banks won't touch non-QM investor loans. Wholesale lenders built specifically for investors are where these deals close.
At SRK CAPITAL, we access 200+ wholesale lenders. That means we shop DSCR, hard money, and bridge programs side by side.
Placerville fix-and-flip deals often need bridge or hard money first, then a DSCR refinance once the property is stabilized.
Don't just grab the first hard money quote. Points, prepayment penalties, and draw schedules vary a lot between lenders.
Conventional investment loans cap at 10 financed properties and require full income docs. DSCR loans have neither restriction.
Hard money closes faster but costs more. DSCR loans are cheaper long-term but need a rent-ready property to qualify.
El Dorado County has a mix of single-family homes and rural parcels. Not every property type qualifies with every lender.
Rural or acreage properties can trigger lender overlays. Get the property address reviewed early — before you're under contract.
Yes. DSCR loans use the property's rental income, not your personal income. The property needs to cash flow at or above the lender's required ratio.
Hard money loans can close in 7–14 days. Speed depends on title, appraisal, and how quickly you provide documents.
Most lenders require 20–25% down on investment properties. Some programs allow less with compensating factors.
Some lenders accept Airbnb or VRBO income for DSCR qualification. Not all do — lender selection matters here.
Most DSCR lenders want 660 or higher. Hard money lenders are more flexible but charge more for lower scores.
Yes. Properties with large acreage or non-standard features face more lender restrictions. Review the address before going under contract.