Question 1

What is a DSCR loan and how does it work in Rocklin?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders check if the property's rental income covers the mortgage — your personal income doesn't factor in.

Question 2

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

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go lower depending on the deal and your experience.

Question 3

Can I use rental income from the property to qualify?

Accepted Answer

Yes — DSCR loans are built for exactly that. The property's market rent or actual lease is what the lender underwrites against.

Question 4

How fast can an investor loan close in Rocklin?

Accepted Answer

Hard money and bridge loans can close in 7-14 days. DSCR loans typically run 21-30 days depending on the lender.

Question 5

Do I need to show tax returns for an investor loan?

Accepted Answer

Not on most non-QM investor programs. DSCR and asset-based loans skip tax returns entirely — a major advantage for self-employed investors.

Question 6

How many investment properties can I finance at once?

Accepted Answer

Conventional loans cap at 10 financed properties. Non-QM investor programs through wholesale lenders typically have no such limit.

Investor Loans in Rocklin, CA — Built for Real Estate Investors