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Calexico sits on the US-Mexico border in Imperial County. That location creates unique rental demand from cross-border workers and commerce.
Imperial County has lower property prices than most of California. That means investors can enter with less capital and still find cash-flowing deals.
620+
Min Credit Score
20-25%
Typical Down Payment
7-14 Days
Hard Money Close
Not Required
Income Docs (DSCR)
Varies by Program
Rate Type
Investor Loans in Calexico
Investor loans are non-QM products. Lenders skip the standard income docs and focus on the deal itself.
Most lenders want 20-25% down and a credit score above 620. Strong property cash flow can offset a thinner borrower profile.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Calexico.
Calexico sits on the US-Mexico border in Imperial County. That location creates unique rental demand from cross-border workers and commerce.
Imperial County has lower property prices than most of California. That means investors can enter with less capital and still find cash-flowing deals.
Investor loans are non-QM products. Lenders skip the standard income docs and focus on the deal itself.
Most retail banks won't touch investor loans in smaller border markets like Calexico. Wholesale lenders are a different story.
We work with 200+ wholesale lenders. Several specialize in non-QM investor products built for markets just like this.
DSCR loans are the most popular investor product we place in border markets. The lender qualifies the property, not your personal income.
Fix-and-flip deals move fast here. Bridge loans and hard money give you the speed to close before another buyer steps in.
Conventional investment loans cap out at 10 financed properties. DSCR loans have no such limit for most lenders.
Hard money costs more but moves in days. If the deal is right, the speed is worth the premium.
Calexico's proximity to Mexicali means steady tenant demand. Cross-border workers and families create a reliable rental base.
Imperial County properties appraise differently than coastal markets. Work with a lender who understands rural and border market valuations.
Yes. DSCR loans qualify based on rental income, not personal tax returns. The property's cash flow is what lenders underwrite.
Hard money loans can close in 7-14 days. DSCR loans typically take 3-4 weeks depending on the lender.
Most investor loan programs require 20-25% down. Some hard money lenders go higher, especially on fix-and-flip projects.
Yes. Several wholesale lenders we access are active in Imperial County. Rural and border markets are not off-limits.
Most programs start at 620. Better rates appear at 680 and above. Rates vary by borrower profile and market conditions.
Yes. Bridge loans and hard money programs are designed for exactly that. The exit strategy and ARV drive approval.