Question 1

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

Accepted Answer

Yes — DSCR loans qualify the property's rental income, not yours. Most lenders want a DSCR ratio of 1.0 or higher.

Question 2

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

Accepted Answer

Most non-QM investor programs require 20–25% down. Some hard money lenders go higher depending on the deal.

Question 3

Do investor loans in Merced County require an appraisal?

Accepted Answer

Yes. Most lenders require a full appraisal. Hard money lenders may accept a desk review on lower loan amounts.

Question 4

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

Accepted Answer

Most DSCR lenders require a 620 minimum. Better rates start showing up at 700+. Rates vary by borrower profile.

Question 5

Can I finance a fix-and-flip in Livingston with a non-QM loan?

Accepted Answer

Hard money and bridge loans are better fits for flip projects. They close in days, not weeks, and fund based on ARV.

Question 6

Are there lenders who fund investor loans in small Merced County cities?

Accepted Answer

Not all wholesale lenders cover rural California. We specifically vet lenders who fund in Merced County markets like Livingston.

Investor Loans in Livingston, CA — Built for Cash Flow