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San Clemente sits at the southern end of Orange County with strong rental demand year-round. Coastal proximity drives consistent occupancy for both long-term and short-term rental investors.
Investor loans here aren't one-size-fits-all. DSCR, hard money, and bridge products each serve different deal types in this market.
620+
Min Credit Score
20-25%
Min Down Payment
Not Required
Income Docs (DSCR)
7-14 Days
Hard Money Close
Non-QM
Loan Type
Investor Loans in San Clemente
Most investor loans in San Clemente are non-QM. Lenders qualify you on the property's cash flow — not your tax returns.
DSCR loans typically require a 620+ credit score and 20-25% down. The property's rent must cover the mortgage payment at a 1.0 to 1.25 ratio.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in San Clemente.
San Clemente sits at the southern end of Orange County with strong rental demand year-round. Coastal proximity drives consistent occupancy for both long-term and short-term rental investors.
Investor loans here aren't one-size-fits-all. DSCR, hard money, and bridge products each serve different deal types in this market.
Most investor loans in San Clemente are non-QM. Lenders qualify you on the property's cash flow — not your tax returns.
Retail banks rarely do DSCR or hard money. You need a broker with access to wholesale non-QM lenders to find competitive programs.
SRK CAPITAL works with 200+ wholesale lenders. That means we can match your deal type — flip, rental, or portfolio — to the right product.
San Clemente investors often underestimate short-term rental risk. Some lenders stress-test STR income more aggressively — plan for that.
Fix-and-flip buyers in beach-adjacent zip codes move fast. Hard money closes in days, not weeks. That speed wins deals here.
DSCR loans are best for buy-and-hold rentals. Hard money fits flips and value-add projects where speed and short terms matter.
Bridge loans work well between acquisitions. Interest-only products reduce monthly payments while you stabilize a new rental property.
San Clemente is an Orange County coastal city. Properties near the pier and beach trails attract premium rental income — and premium purchase prices.
Local HOAs and short-term rental ordinances can affect your deal structure. Confirm STR permitting before you underwrite rental income.
No. DSCR loans qualify based on the property's rent vs. mortgage payment. Your W-2 or tax returns aren't part of the equation.
Most non-QM investor programs start at 620. Better scores get better pricing. Rates vary by borrower profile and market conditions.
Some lenders accept STR income, but they apply stricter stress tests. Confirm the lender's STR policy before you underwrite the deal.
Hard money lenders can close in 7-14 days. That speed is the main reason flippers use them over conventional financing.
Plan for 20-25% down on most investor programs. Some hard money lenders go higher depending on the deal and property condition.
Bridge loans connect two properties during a transition. Hard money focuses on the asset value for short-term financing needs.