Question 1

Can I use rental income to qualify for an investor loan in Fortuna?

Accepted Answer

Yes — DSCR loans qualify based on the property's rent versus its debt payment. Your personal income isn't the deciding factor.

Question 2

Do lenders fund investment properties in rural Humboldt County?

Accepted Answer

Some non-QM lenders restrict rural markets. A broker can quickly identify which lenders will fund in Fortuna.

Question 3

How much do I need down for an investment property here?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go higher, depending on the deal.

Question 4

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

Accepted Answer

Most DSCR programs start at 660. Higher scores unlock better rates. Rates vary by borrower profile and market conditions.

Question 5

Can I finance a fix-and-flip in Fortuna with a non-QM loan?

Accepted Answer

Hard money and bridge loans are built for that. They close fast and focus on the asset value, not your income history.

Investor Loans in Fortuna, CA — Built for Real Estate Deals