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Tustin sits in the heart of Orange County — strong rents, stable demand, and real exit strategies for investors.
This market rewards investors who move fast with the right financing already lined up.
660+ (most programs)
Min Credit Score
20-25% typical
Down Payment
7-14 days
Hard Money Close
No (non-QM)
Income Docs Required
None (non-QM)
Financed Property Cap
Investor Loans in Tustin
Investor loans are non-QM products. Lenders skip your W-2 and focus on the deal — the property's income or your asset base.
Most programs want a 660+ credit score and 20-25% down. Some hard money options go lower on credit but price it into the rate.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Tustin.
Tustin sits in the heart of Orange County — strong rents, stable demand, and real exit strategies for investors.
This market rewards investors who move fast with the right financing already lined up.
Investor loans are non-QM products. Lenders skip your W-2 and focus on the deal — the property's income or your asset base.
Retail banks rarely do investor loans well. They cap portfolio exposure and slow-walk approvals.
We work with 200+ wholesale lenders who specialize in non-QM and investor products — DSCR, bridge, hard money, and interest-only.
The loan that closes your Tustin flip isn't the same one that holds your rental long-term. Match the product to the exit strategy.
DSCR loans work best when the rent covers the payment. If the numbers are tight, a bridge loan buys time to stabilize the asset.
Conventional investor loans cap out at 10 financed properties and require full income docs. Non-QM investor loans have no such cap.
Hard money is faster but priced higher. DSCR loans offer better long-term rates when the property cash-flows.
Tustin Legacy and the Old Town corridor attract different investor profiles. Know which pocket you're buying in.
Orange County property taxes and insurance costs factor into DSCR calculations. Thin margins get exposed fast at close.
Yes. DSCR loans qualify you based on the property's rent versus its debt payment. Your personal income isn't part of the equation.
Hard money can close in 7-14 days. DSCR and bridge loans typically take 2-4 weeks depending on the lender.
Most non-QM investor programs start at 660. Hard money lenders sometimes go lower but charge significantly higher rates.
Most lenders want 6-12 months of reserves. Rates vary by borrower profile and market conditions.
DSCR is a long-term hold product priced off rental income. Hard money is short-term, higher-rate financing for fast closings or rehab projects.