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Seaside sits inside Monterey County, one of California's most resilient coastal markets. Military proximity, tourism, and a tight housing supply keep rental demand steady.
That makes Seaside worth watching for investors. Short-term and long-term rental demand both exist here — and the right loan structure matters.
680+
Min Credit Score
20–25%
Down Payment
5–10 Business Days
Hard Money Close
No (DSCR/Asset)
Tax Returns Required
Non-QM
Loan Type
Investor Loans in Seaside
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income or your asset base.
Most programs want a 680+ credit score and 20-25% down. DSCR loans — where the rent covers the debt — are the most common path for Seaside rental properties.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Seaside.
Seaside sits inside Monterey County, one of California's most resilient coastal markets. Military proximity, tourism, and a tight housing supply keep rental demand steady.
That makes Seaside worth watching for investors. Short-term and long-term rental demand both exist here — and the right loan structure matters.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income or your asset base.
Most retail banks won't touch DSCR or fix-and-flip loans. You need wholesale lenders who specialize in investor products — and they price these loans very differently.
We work with 200+ wholesale lenders. On an investor deal in Seaside, that spread in rates and terms can meaningfully change your cash flow and returns.
The biggest mistake investors make is applying at one lender. Non-QM guidelines vary wildly — one lender's decline is another's approval at a competitive rate.
Fix-and-flip deals in Seaside move fast. Hard money closes in days. DSCR loans take 2-4 weeks. Know which loan fits your timeline before you make an offer.
Conventional investment loans exist but cap out at 10 financed properties. Non-QM investor loans have no such limit — better for scaling a portfolio.
Interest-only options can improve monthly cash flow on higher-priced Monterey County deals. Bridge loans cover the gap when you're buying before a sale closes.
Seaside borders Fort Ord — a former military base now a mixed-use development zone. That history shapes the rental base and property types available here.
Monterey County has coastal zone regulations that can affect rental use. Verify short-term rental permitting before assuming Airbnb income in your DSCR calculation.
Yes — DSCR loans qualify you based on the property's rent, not your personal income. The rent needs to cover the mortgage payment, typically at a 1.0–1.25x ratio.
Most lenders require 20-25% down on investor properties. Some DSCR programs allow 20% with strong credit.
Hard money loans can close in 5-10 business days. DSCR and conventional investor loans typically take 2-4 weeks.
Some lenders accept Airbnb income history. Most prefer market rent from an appraisal. Verify Seaside's short-term rental permits first.
Yes. DSCR and asset-based investor loans don't require tax returns. Qualification is based on property income or liquid assets.
Yes — investor loans price higher than primary home loans. Rates vary by borrower profile and market conditions.