Question 1

Do I need to show personal income for a DSCR loan in Los Banos?

Accepted Answer

No. DSCR lenders qualify the loan on rental income alone. Your personal tax returns stay out of the file.

Question 2

What credit score do investor lenders want?

Accepted Answer

Most programs start at 620. Better rates kick in at 680 and above. Rates vary by borrower profile and market conditions.

Question 3

Can I use a DSCR loan for a fix-and-flip?

Accepted Answer

No — DSCR is for stabilized rentals. Flips need hard money or bridge financing. These are different products with different structures.

Question 4

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

Accepted Answer

Expect 20-25% down on most investor loan programs. Some hard money lenders go lower based on after-repair value.

Question 5

Can I finance multiple properties in Merced County?

Accepted Answer

Yes. DSCR loans have no strict portfolio cap on most programs. Each property is underwritten on its own cash flow.

Question 6

How fast can an investor loan close in Los Banos?

Accepted Answer

Hard money and bridge loans can close in 5-10 business days. DSCR loans typically take 2-4 weeks. Deal type drives the timeline.

Investor Loans in Los Banos, CA — Built for the Central Valley