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Shafter sits in the heart of Kern County's agricultural and logistics corridor. That creates steady rental demand from workers who aren't buying.
Investors here deal with lower price points than coastal California. That means better cash flow potential on the right property.
620–640
Min Credit Score
20–25%
Min Down Payment
1.0 or higher
DSCR Ratio Needed
2–4 weeks
Typical Close Time
Fixed or ARM options
Rate Type
Investor Loans in Shafter
Investor loans are non-QM products. Lenders don't verify your W-2 or tax returns the same way conventional loans require.
DSCR loans — debt service coverage ratio — qualify you based on rental income vs. monthly payment. Most lenders want a ratio of 1.0 or higher.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Shafter.
Shafter sits in the heart of Kern County's agricultural and logistics corridor. That creates steady rental demand from workers who aren't buying.
Investors here deal with lower price points than coastal California. That means better cash flow potential on the right property.
Investor loans are non-QM products. Lenders don't verify your W-2 or tax returns the same way conventional loans require.
Big retail banks rarely have competitive investor loan products. Most of the best programs live at wholesale lenders you can't access directly.
We work with 200+ wholesale lenders. That gives us access to DSCR, hard money, bridge, and interest-only products most borrowers never see.
Shafter properties near the rail yards and cold storage facilities tend to attract longer-term tenants. That stability helps your DSCR calculation.
Fix-and-flip in Shafter can work, but know your ARV — after repair value — before you commit. Kern County comps move slower than LA or the Bay.
Conventional investment loans cap at 10 financed properties and require full income docs. DSCR loans skip both restrictions.
Hard money closes in days, not weeks. DSCR is better for holds. Bridge loans connect the two when timing is the issue.
Kern County's economy ties closely to oil, agriculture, and warehousing. Rental demand in Shafter tracks those industries.
As of April 2026, Shafter's proximity to major distribution centers keeps vacancy rates manageable. That matters when lenders evaluate your rental income projections.
No. DSCR loans qualify you on rental income, not personal tax returns. That's the main reason investors choose them.
Most investor loan programs start at 620-640. Better scores get better rates. Rates vary by borrower profile and market conditions.
DSCR is built for rentals. For flips, hard money or bridge loans are the right tools.
Most investor loan programs require 20-25% down. Some hard money lenders go higher, especially on distressed properties.
DSCR loans typically close in 2-4 weeks. Hard money can close in days when the deal is clean.
Yes. DSCR loans have no limit on financed properties, unlike conventional investment loans.