Question 1

Do I need to show personal income to qualify?

Accepted Answer

Not with a DSCR loan. The property's rent-to-mortgage ratio is what qualifies you, not your W-2 or tax returns.

Question 2

How much do I need down in Roseville?

Accepted Answer

Most investor loan programs require 20-25% down. Some DSCR products allow 20% with strong credit and cash flow.

Question 3

Can I finance multiple properties?

Accepted Answer

Yes. DSCR and non-QM investor loans don't cap you at 10 properties like conventional Fannie Mae guidelines do.

Question 4

How fast can a fix-and-flip loan close?

Accepted Answer

Hard money lenders can close in 7-14 days. Speed depends on the lender and how quickly you deliver the property details.

Question 5

What credit score do I need for a DSCR loan in Placer County?

Accepted Answer

Most DSCR programs start at 620-640. Better rates kick in around 700+. Rates vary by borrower profile and market conditions.

Question 6

What is a DSCR loan exactly?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. It measures whether the rental income covers the mortgage payment — that ratio replaces income verification.

Investor Loans in Roseville, CA — Built for Deals, Not W-2s