Question 1

Do I need to show my income for a DSCR loan in Aliso Viejo?

Accepted Answer

No. DSCR loans qualify based on rental income, not personal income. Your tax returns stay out of the file.

Question 2

What credit score do investor loans require?

Accepted Answer

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

Question 3

Can I finance a condo as an investment in Aliso Viejo?

Accepted Answer

Yes, but warrantability matters. Non-warrantable condos may require non-QM pricing. We check this before you're under contract.

Question 4

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

Accepted Answer

Expect 20–25% down for most investor loan programs. Some hard money lenders go lower based on the deal's equity position.

Question 5

What's the fastest way to close an investor loan here?

Accepted Answer

Hard money and bridge loans close fastest — sometimes under two weeks. DSCR loans typically close in 21–30 days.

Question 6

Can I use a DSCR loan if the property isn't rented yet?

Accepted Answer

Yes. Lenders use an appraiser's market rent estimate. The property doesn't need an existing lease to qualify.

Investor Loans in Aliso Viejo, CA