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Fullerton draws investors for real reasons. Cal State Fullerton drives consistent rental demand. Single-family rentals and small multifamily both move here.
Orange County's tight inventory works in a landlord's favor. Low vacancy keeps rents firm. That makes debt coverage ratios easier to hit on DSCR loans.
620–640 typical
Min Credit Score
20–25% required
Down Payment
1.0x coverage
Min DSCR Ratio
5–10 business days
Hard Money Close
Varies by program
Rate Type
Investor Loans in Fullerton
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you. The property's income does the heavy lifting.
Most DSCR lenders want a 1.0 or higher debt-service coverage ratio. That means rent covers the mortgage payment. Credit minimums typically start at 620 to 640.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Fullerton.
Fullerton draws investors for real reasons. Cal State Fullerton drives consistent rental demand. Single-family rentals and small multifamily both move here.
Orange County's tight inventory works in a landlord's favor. Low vacancy keeps rents firm. That makes debt coverage ratios easier to hit on DSCR loans.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you. The property's income does the heavy lifting.
Retail banks rarely touch these loans. Investor products live in the wholesale and private lending space. That's exactly where we operate.
We work with 200+ wholesale lenders. Several specialize in California investor deals. Rates vary by property type, loan size, and your investor experience. Rates vary by borrower profile and market conditions.
Fix-and-flip buyers in Fullerton move fast. Hard money closes in days, not weeks. Don't try to fund a flip through a conventional lender — you'll lose the deal.
DSCR loans work best on stabilized rentals with a lease in place. If the unit is vacant, some lenders use market rent. Others won't touch it. Know which lender fits before you write the offer.
Conventional investment loans cap out at 10 financed properties. DSCR loans don't have that limit. Portfolio investors scale faster with non-QM products.
Interest-only investor loans cut your monthly payment during the hold period. That improves cash flow on tight deals. It's a real tool — not a last resort.
Fullerton has a strong mix of older SFRs and small multifamily. The 1950s-1970s housing stock creates consistent flip opportunities. ARV comps are available and lenders recognize them.
Orange County as a whole runs expensive. Jumbo investor loans come up often. Make sure your lender can handle a non-QM jumbo — not all wholesale shops can.
Yes. DSCR loans qualify you on the property's rent, not your personal income. That's the whole point of the product.
Many hard money lenders close in 5 to 10 business days. Have your scope of work and purchase contract ready to move that fast.
Most investor loan programs require 20 to 25% down. Some hard money lenders go higher depending on the deal.
Yes. DSCR loans cover 1-4 unit properties and some lenders go up to 8 units. The math just has to work on the rent-to-mortgage ratio.
Not on a DSCR loan. Lenders skip the tax return review entirely. This is why investors with write-offs prefer this product.