Question 1

What credit score do I need for an investor loan in Beverly Hills?

Accepted Answer

Most lenders require 660 minimum, but 680+ gets better rates. Properties above $2M typically need 700+ credit scores.

Question 2

Can I use projected rental income to qualify?

Accepted Answer

Yes on DSCR loans. Lenders order rental market analysis to determine income potential even without existing tenants.

Question 3

How much down payment do investor loans require?

Accepted Answer

Expect 20-30% down for domestic investors. Foreign nationals typically need 30-40% depending on credit and property type.

Question 4

Do I need to show tax returns for investor financing?

Accepted Answer

No on DSCR programs. Lenders qualify based on property cash flow, not personal income documentation.

Question 5

What's the difference between DSCR and hard money for Beverly Hills properties?

Accepted Answer

DSCR loans offer lower rates for rental holds. Hard money provides faster funding for flips but costs 9-12% interest.

Question 6

Can I finance multiple investment properties simultaneously?

Accepted Answer

Yes with portfolio lenders. They'll underwrite each property's rental strength rather than counting against debt-to-income ratios.

Investor Loans in Beverly Hills: Financing for High-End Rental and Income Properties