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Commerce sits in the heart of Los Angeles County, where the median household income of $87,760 supports steady rental demand. Investor loans here open doors to multi-unit properties and single-family rentals that cash-flow predictably.
The market rewards landlords who move quickly. Properties in Commerce's industrial-residential mix attract both owner-occupants and investors seeking positive cash flow.
20%
Minimum Down Payment
680
Minimum Credit Score
$1,249,125
Conforming Limit (2026)
30–45 days
Typical Close Timeline
Investor Loans in Commerce
Investor loans require 20% down minimum and a credit score of 680 or higher. Most lenders want to see a debt-to-income ratio under 75% when you factor in the property's rental income.
Los Angeles County's median household income of $87,760 sets the baseline for what lenders consider stable. Your personal income plus the property's projected rent must support the loan comfortably.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Commerce.
Commerce sits in the heart of Los Angeles County, where the median household income of $87,760 supports steady rental demand. Investor loans here open doors to multi-unit properties and single-family rentals that cash-flow predictably.
The market rewards landlords who move quickly. Properties in Commerce's industrial-residential mix attract both owner-occupants and investors seeking positive cash flow.
Investor loans require 20% down minimum and a credit score of 680 or higher. Most lenders want to see a debt-to-income ratio under 75% when you factor in the property's rental income.
Investor loans are tighter than owner-occupied mortgages. Lenders scrutinize rental income projections and require solid reserves—typically six months of PITI in the bank.
California brokers compete hard on investor terms. Expect faster underwriting if you bring clean financials and a clear rental strategy for the property.
Investor loans make sense in Commerce when you're buying a duplex or triplex with strong rental comps nearby. The conforming limit of $1,249,125 covers most multi-unit deals in this market.
They don't pencil when you're stretching to buy a single-family rental that barely cash-flows. If the rent barely covers the mortgage, lenders will reject the deal or demand more down.
Investor loans carry a higher rate than owner-occupied mortgages because rental income is less stable than W-2 wages. The tradeoff is that you can hold multiple properties under one lending relationship.
A cash-out refinance on an existing rental lets you tap equity without selling. Investor loans let you buy the next property while keeping the first one rented.
Commerce's industrial corridor and proximity to the Port of Los Angeles create steady demand for rental housing. Warehouse workers and logistics professionals need affordable apartments nearby.
The city's zoning allows multi-unit development, which means duplex and triplex deals are easier to find than in strictly single-family neighborhoods.
Investor loans require 20% down minimum. Some lenders offer 15% down on select properties, but rates jump and reserves must be higher.
Most lenders require 680 or higher. Scores above 740 get better rates and faster approval.
Lenders typically use 75% of the lease amount or market rent. Your personal income plus that rental income must support the debt-to-income ratio.
Yes. Duplexes and triplexes qualify as investment properties. The conforming limit of $1,249,125 covers most multi-unit deals here.
Investor loans typically close in 30 to 45 days. Clean financials and a solid rental strategy speed up underwriting.