Question 1

Do I need to show personal income for an investor loan in Lincoln?

Accepted Answer

Not on DSCR programs. The property's rent-to-debt ratio qualifies the loan — your tax returns stay out of it.

Question 2

What credit score do I need for a Lincoln investment property loan?

Accepted Answer

Most investor programs start at 620. Better pricing typically kicks in at 700 and above. Rates vary by borrower profile and market conditions.

Question 3

Can I finance a fix-and-flip in Lincoln with an investor loan?

Accepted Answer

Yes. Hard money and bridge loans are built for flips. They fund fast and base approval on the property's ARV, not your income.

Question 4

How much do I need to put down on a Lincoln rental property?

Accepted Answer

Plan on 20-25% minimum for most investor loan programs. Some non-QM lenders go to 15% with stronger credit.

Question 5

Can I use rental income from the property to qualify?

Accepted Answer

On DSCR loans, yes — that's exactly how it works. The property's projected or actual rent is what drives approval.

Question 6

How fast can an investor loan close in Lincoln?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in under two weeks when the deal is clean.

Investor Loans in Lincoln, CA — Built for Real Returns