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Roseville has become one of the Sacramento region's most active investor markets. Strong rental demand, steady population growth, and proximity to Sacramento drive consistent deal flow.
Placer County's suburban neighborhoods attract long-term tenants. That makes buy-and-hold strategies particularly viable here.
620–680
Min Credit Score
20–25%
Down Payment
6–12 Months
Reserves Required
7–14 Days
Hard Money Close
Fixed & ARM Options
Rate Type
Investor Loans in Roseville
Investor loans don't follow conventional underwriting rules. Your personal income tax returns take a back seat — lenders care more about the property's cash flow.
Most programs want a 620-680 minimum credit score and 20-25% down. Reserves matter. Expect lenders to require 6-12 months of payments in the bank.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville has become one of the Sacramento region's most active investor markets. Strong rental demand, steady population growth, and proximity to Sacramento drive consistent deal flow.
Placer County's suburban neighborhoods attract long-term tenants. That makes buy-and-hold strategies particularly viable here.
Investor loans don't follow conventional underwriting rules. Your personal income tax returns take a back seat — lenders care more about the property's cash flow.
Big retail banks rarely touch investor deals efficiently. Wholesale lenders built for non-QM are where real investor programs live.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means we can shop DSCR loans, bridge financing, and fix-and-flip products across programs most borrowers never see.
The mistake I see constantly: investors apply at their personal bank and get denied. Their tax write-offs tank their qualifying income.
DSCR loans — Debt Service Coverage Ratio loans — skip your personal income entirely. If the property's rent covers the mortgage, you can qualify. That's the right tool for most Roseville investors.
A conventional investment property loan needs full income docs and caps you at 10 financed properties. DSCR loans have neither restriction for most lenders.
Hard money moves faster but costs more. Bridge loans fill the gap between purchase and permanent financing. Knowing which product fits your exit strategy is everything.
Roseville sits in one of California's fastest-growing corridors. New construction and established neighborhoods both offer investor opportunity.
Placer County's landlord-friendly environment and above-average household incomes support strong rent collections. Those fundamentals matter when a DSCR lender underwrites your deal.
Not with a DSCR loan. The property's rent-to-mortgage ratio is what qualifies you, not your W-2 or tax returns.
Most investor loan programs require 20-25% down. Some DSCR products allow 20% with strong credit and cash flow.
Yes. DSCR and non-QM investor loans don't cap you at 10 properties like conventional Fannie Mae guidelines do.
Hard money lenders can close in 7-14 days. Speed depends on the lender and how quickly you deliver the property details.
Most DSCR programs start at 620-640. Better rates kick in around 700+. Rates vary by borrower profile and market conditions.
DSCR stands for Debt Service Coverage Ratio. It measures whether the rental income covers the mortgage payment — that ratio replaces income verification.