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Maricopa sits in southern Kern County, a low-cost market that draws investors hunting yield over appreciation.
Rental demand here is driven by oil field and agricultural workers. Cash flow is the play, not equity growth.
620–680
Min Credit Score
20–25%
Typical Down Payment
None (DSCR)
Income Docs Required
7–14 Days
Hard Money Close Time
Varies by Program
Rate Type
Investor Loans in Maricopa
Investor loans are non-QM — meaning lenders skip your W-2 and tax returns. The property's income does the qualifying.
Expect a minimum 620-680 credit score depending on the program. Most lenders want 20-25% down on investment properties.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Maricopa.
Maricopa sits in southern Kern County, a low-cost market that draws investors hunting yield over appreciation.
Rental demand here is driven by oil field and agricultural workers. Cash flow is the play, not equity growth.
Investor loans are non-QM — meaning lenders skip your W-2 and tax returns. The property's income does the qualifying.
Most retail banks won't touch non-QM investor loans. You need wholesale lenders who specialize in these programs.
We have access to 200+ wholesale lenders. That means real competition on rate and terms for Maricopa investment deals.
Maricopa properties are cheap by California standards. That can actually hurt you — some lenders have minimum loan amounts.
We screen lenders upfront for low-balance investor loans. A $120K rental property needs the right lender, not just any lender.
DSCR loans are the cleanest option for buy-and-hold investors. They price on rent income, not your personal finances.
Hard money moves faster but costs more. Fix-and-flip in Maricopa can pencil if you buy right and keep rehab lean.
Kern County has no shortage of distressed and aged housing stock. That creates real opportunity for fix-and-flip investors.
Maricopa's oil-tied economy means occupancy can fluctuate. Lenders factor local vacancy risk into DSCR underwriting.
Yes. DSCR loans use the property's rent income to qualify. Your W-2 or tax returns stay out of it.
Most programs start at 620. Better rates kick in at 680 and above. Rates vary by borrower profile and market conditions.
Plan for 20-25% down on most investor loan programs. Some hard money lenders go higher depending on the deal.
Some do. Maricopa prices are low, so we screen lenders specifically for small-balance investor loans.
Hard money can close in 7-14 days in many cases. Speed is the main reason investors use it for flips.
It can be. Low purchase prices help the DSCR ratio. But modest rents mean your deal needs to pencil carefully.