Question 1

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

Accepted Answer

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

Question 2

Do investor loans in Humboldt County require more down payment?

Accepted Answer

Most lenders require 20-25% down on investment properties. Non-QM programs may ask for more depending on the deal.

Question 3

How fast can an investor loan close in Rio Dell?

Accepted Answer

Hard money and bridge loans can close in under two weeks. DSCR loans typically take 3-4 weeks.

Question 4

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders start at 620-660. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 5

Are fix-and-flip loans available for Rio Dell properties?

Accepted Answer

Yes. Hard money and bridge loans are the go-to options for fix-and-flip deals in small Humboldt County markets.

Question 6

Can I get an investor loan if I already have multiple rental properties?

Accepted Answer

DSCR loans don't cap the number of financed properties. That makes them the right tool for portfolio investors.

Investor Loans in Rio Dell, CA — Built for Real Deals