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Graeagle sits in Plumas County, where the Treasure Canyon gold mine project signals renewed development interest. The county's median household income of $64,946 supports modest rental portfolios in this mountain community.
Investor properties here typically range from $300,000 to $600,000. Rental income and property appreciation drive returns in this quieter market.
680+
Minimum FICO
20–25%
Down Payment Range
6–12 months PITI
Reserves Required
45–60 days
Typical Closing
Investor Loans in Graeagle
Investor loans require a 680+ FICO score and typically 20% to 25% down. Lenders stress-test rental income at 75% of actual rent to ensure debt service coverage.
Your debt-to-income ratio must stay below 43% when rental income is factored in. Proof of reserves—usually 6 to 12 months of PITI—is standard for investment properties.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Graeagle.
Graeagle sits in Plumas County, where the Treasure Canyon gold mine project signals renewed development interest. The county's median household income of $64,946 supports modest rental portfolios in this mountain community.
Investor properties here typically range from $300,000 to $600,000. Rental income and property appreciation drive returns in this quieter market.
Investor loans require a 680+ FICO score and typically 20% to 25% down. Lenders stress-test rental income at 75% of actual rent to ensure debt service coverage.
Investor loans are tighter than owner-occupied mortgages. Most lenders require full tax returns, rental history, and proof of experience managing properties.
Closings typically run 45 to 60 days for investor deals. Broker networks often have better rates than retail banks for non-owner-occupied properties.
Investor loans make sense in Graeagle when you're buying a rental that will cash-flow. The county's modest income base means tenants are price-sensitive, so cap rates matter more than appreciation.
If you're buying above $832,750, you'll need a jumbo investor loan. That's where broker relationships really pay off—jumbo investor programs are rare and terms vary widely.
Investor loans carry higher rates and stricter terms than owner-occupied mortgages. The tradeoff: you can hold multiple properties and scale a portfolio without living in each one.
A conventional owner-occupied loan is simpler and cheaper if you plan to live in the property. Investor loans are the only path if you want to rent it out from day one.
Feather River College's Upward Bound program brings college exposure to Plumas County students. That kind of educational investment signals long-term community commitment and stable tenant demand.
The new Yuba County state park along the Feather River opens outdoor recreation access nearby. Amenities like boat launches and riverside access attract visitors and support local rental demand.
Investor loans typically require 20% to 25% down. Some lenders go as low as 15% for strong borrowers with proven rental experience.
Yes — investor loans are designed for rental properties. You can own multiple investment properties without occupying any of them.
A 680 FICO score is the typical floor. Stronger credit (700+) opens better rates and terms with more lenders.
Lenders stress-test rent at 75% of actual income. So a $2,000 monthly rent counts as $1,500 toward your qualifying income.
Investor closings typically run 45 to 60 days. Full tax returns and rental documentation add time compared to owner-occupied deals.