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Madera sits in the San Joaquin Valley with rental demand driven by agriculture and regional employment. That steady tenant base makes buy-and-hold strategies worth serious consideration.
Fix-and-flip volume is active in Madera County. Lower acquisition costs compared to coastal California mean investors can move on deals without stretching capital thin.
620–660
Min Credit Score
20–25%
Typical Down Payment
No (DSCR)
Income Docs Required
5–10 Business Days
Hard Money Close Time
Fixed & ARM Options
Rate Type
Investor Loans in Madera
Investor loans are Non-QM products. Lenders qualify you on the deal, not your W-2. Expect credit score minimums around 620-660 depending on the program.
DSCR loans use rental income to qualify. The property's rent-to-mortgage ratio matters more than your personal income statement.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Madera.
Madera sits in the San Joaquin Valley with rental demand driven by agriculture and regional employment. That steady tenant base makes buy-and-hold strategies worth serious consideration.
Fix-and-flip volume is active in Madera County. Lower acquisition costs compared to coastal California mean investors can move on deals without stretching capital thin.
Investor loans are Non-QM products. Lenders qualify you on the deal, not your W-2. Expect credit score minimums around 620-660 depending on the program.
Most retail banks won't touch investor loans past four properties. That's where wholesale lenders come in — they have programs built specifically for landlords and flippers.
We work with 200+ wholesale lenders at SRK CAPITAL. That means we can match Madera investors with programs that fit the deal, not just the borrower.
DSCR loans are the cleanest path for most Madera rental buyers. No income docs, no employment verification. The rent covers the payment — that's the whole qualification.
Hard money moves faster for flips. Rates are higher, but if your timeline is 6-12 months, the speed-to-close often matters more than the rate.
Conventional investment loans cap at 10 financed properties. DSCR loans have no such ceiling. Portfolio investors scaling past that threshold need a different product entirely.
Bridge loans fill the gap between purchase and stabilization. If a property needs rehab before it qualifies for DSCR, a bridge loan gets you there without burning time.
Madera County has pockets of aging housing stock. That creates opportunity for fix-and-flip investors who know how to scope rehab costs accurately before submitting an offer.
Agricultural employment cycles affect tenant turnover in some neighborhoods. Strong property management is essential here — vacancies hit cash flow faster than lenders like to see.
Yes — DSCR loans qualify based on the property's rent vs. mortgage payment. Your personal income doesn't factor in.
Most investor loan programs require 20-25% down. Some hard money lenders go lower, but expect higher rates in exchange.
Most DSCR lenders want at least 620-660. Better scores unlock lower rates. Rates vary by borrower profile and market conditions.
Yes. DSCR and portfolio loan programs don't cap at 10 properties like conventional loans do. Scaling a rental portfolio is exactly what these programs are built for.
Hard money can close in 5-10 business days in many cases. That speed matters when you're competing for off-market deals.
No — many investors close in personal name. But some lenders prefer or require an LLC for DSCR. We'll match you to the right program either way.