Question 1

Can I use rental income to qualify for a Gustine investment property?

Accepted Answer

Yes — DSCR loans qualify you on the property's rent, not your tax returns. This works well for self-employed investors and portfolio builders.

Question 2

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

Accepted Answer

Most investor loan programs require 20-25% down. Some DSCR programs allow 20% with strong rent coverage.

Question 3

Will a local bank in Merced County finance a Gustine rental?

Accepted Answer

Most retail banks pass on small-market investment deals. Wholesale lenders are a better fit for Gustine investor financing.

Question 4

What credit score do I need for an investor loan?

Accepted Answer

Most investor programs want 680 or higher. Some hard money lenders focus more on the deal than your score.

Question 5

Can I finance a fix-and-flip in Gustine?

Accepted Answer

Hard money and bridge loans are the go-to for flips. You close fast, rehab, then refinance into a long-term DSCR loan.

Question 6

Are investor loans harder to get in rural California markets?

Accepted Answer

Retail lenders often skip rural deals. The right wholesale lenders actively fund Central Valley markets like Gustine and Merced County.

Investor Loans in Gustine, CA — Built for Real Deals