Question 1

Can I use rental income to qualify for an investor loan in Madera?

Accepted Answer

Yes — DSCR loans qualify based on the property's rent vs. mortgage payment. Your personal income doesn't factor in.

Question 2

How much do I need to put down on an investment property?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go lower, but expect higher rates in exchange.

Question 3

What credit score do I need for a DSCR loan in Madera?

Accepted Answer

Most DSCR lenders want at least 620-660. Better scores unlock lower rates. Rates vary by borrower profile and market conditions.

Question 4

Can I finance multiple Madera properties with investor loans?

Accepted Answer

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.

Question 5

How fast can a hard money loan close on a Madera flip?

Accepted Answer

Hard money can close in 5-10 business days in many cases. That speed matters when you're competing for off-market deals.

Question 6

Do I need an LLC to get an investor loan?

Accepted Answer

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.

Investor Loans in Madera, CA — Built for Real Deals