Question 1

Can I use rental income to qualify in Willows?

Accepted Answer

Yes — DSCR loans qualify you based on the property's rent, not your personal income. The rent just needs to cover the monthly payment.

Question 2

Do lenders finance rural properties in Glenn County?

Accepted Answer

Some do, but not all. Wholesale lenders with rural non-QM programs are your best path. Retail banks rarely approve these deals.

Question 3

How fast can I close a fix-and-flip in Willows?

Accepted Answer

Hard money lenders can close in 7-14 days. That speed is the main reason flippers use them despite higher rates. Rates vary by borrower profile and market conditions.

Question 4

What credit score do I need for a DSCR loan here?

Accepted Answer

Most DSCR lenders want 660 or better. Some go to 640 with stronger property cash flow and a larger down payment.

Question 5

Is a Willows rental property a good DSCR deal?

Accepted Answer

It depends on the rent-to-price ratio. Lower acquisition costs in rural markets can produce strong DSCR ratios if rents are stable.

Question 6

What down payment do investor loans require?

Accepted Answer

Most programs require 20-25% down. Some hard money lenders go higher depending on the deal and the borrower's track record.

Investor Loans in Willows, CA — Built for Real Deals