Question 1

Can I use projected rental income if the property is currently vacant?

Accepted Answer

Yes. Lenders order rent surveys or use appraisal rental comps to estimate market rent. You don't need an existing tenant, but conservative projections work better than aggressive ones.

Question 2

Do investor loans work for vineyard properties in Yountville?

Accepted Answer

Sometimes. If the vineyard generates lease income to another operator, that can qualify. Agricultural income alone usually requires specialized ag lending, not standard investor loans.

Question 3

How many investment properties can I finance at once?

Accepted Answer

Most portfolio lenders cap at 10 financed properties. Some specialty lenders go higher but tighten reserve requirements. We'll match you to lenders based on your portfolio size.

Question 4

What rates should I expect on Yountville investor loans as of February 2025?

Accepted Answer

DSCR loans typically run 1.5-2.5% above conventional rates. Hard money sits at 9-12%. Rates vary by borrower profile and market conditions—we shop your scenario across lenders.

Question 5

Can I refinance an existing Yountville rental into an investor loan?

Accepted Answer

Yes. Cash-out refinances work if you have 25-30% equity remaining after pulling cash. Rate-and-term refinances need less equity but don't give you liquidity for your next deal.

Investor Loans in Yountville: Finance Wine Country Real Estate Without W-2 Limits