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Imperial County runs on agriculture and border trade. That creates steady rental demand — especially from workforce and farm-adjacent tenants.
Imperial city sits close to the Mexico border and El Centro. Investors here often find lower entry prices than coastal California markets.
620+
Min Credit Score
20–25%
Min Down Payment
None (DSCR)
Income Docs Required
6–18 months
Hard Money Term
1.0x minimum
DSCR Coverage Ratio
Investor Loans in Imperial
Investor loans are non-QM products. Lenders qualify you on the property's income potential — not your W-2 or tax returns.
DSCR loans are the most common fit here. The property's rent must cover the mortgage payment, typically at a 1.0 to 1.25 ratio.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Imperial.
Imperial County runs on agriculture and border trade. That creates steady rental demand — especially from workforce and farm-adjacent tenants.
Imperial city sits close to the Mexico border and El Centro. Investors here often find lower entry prices than coastal California markets.
Investor loans are non-QM products. Lenders qualify you on the property's income potential — not your W-2 or tax returns.
Most retail banks won't touch non-QM investor deals. Wholesale lenders built for investment properties are where these loans actually get done.
We work with 200+ wholesale lenders. That matters in a market like Imperial — not every lender will underwrite rural or border-adjacent collateral.
Fix-and-flip deals in Imperial need hard money or bridge financing. These are short-term loans — 6 to 18 months — priced for speed, not rate.
For buy-and-hold rentals, DSCR is the cleaner play. Get rent comps before you apply. Lenders will order an appraisal with a rent schedule anyway.
Conventional investment loans cap out at 10 financed properties and require full income docs. DSCR has no property count limit and skips the tax return.
Hard money costs more — rates are higher and terms are short. It's the right tool for a flip, not a 30-year rental hold.
Imperial County properties can appraise conservatively. Rural and ag-adjacent locations sometimes get flagged by lenders as limited comparables.
Work with a broker who knows which lenders are comfortable with Imperial County collateral. The wrong lender wastes your time and rate lock.
No. DSCR loans qualify based on rental income, not personal tax returns. That's the main reason investors use them.
Most DSCR lenders require a 620 minimum. Better rates kick in at 680 and above. Rates vary by borrower profile and market conditions.
Yes. Hard money and bridge loans are the standard tools for flips. Expect short terms and higher rates than long-term rentals.
Most investor loan programs require 20–25% down. Some hard money lenders allow less if the deal has strong equity or ARV.
Some will, some won't. Lender comfort with rural collateral varies. We match deals to lenders who actively fund Imperial County properties.
DSCR stands for Debt Service Coverage Ratio. It compares rental income to your mortgage payment — lenders want it at 1.0 or above.