Question 1

Can I use rental income to qualify in Beaumont?

Accepted Answer

Yes. DSCR loans use the property's rent to qualify you. Your personal income doesn't factor in at all.

Question 2

What credit score do investor loans require?

Accepted Answer

Most non-QM investor programs want 680 or higher. Some hard money lenders care more about the deal than your score.

Question 3

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

Accepted Answer

Plan on 20-25% down minimum. Some programs allow less with stronger cash flow or reserves.

Question 4

Can I finance a fix-and-flip in Beaumont?

Accepted Answer

Hard money loans are the standard for flips. They fund fast and base approval on the property's after-repair value.

Question 5

How many investment properties can I finance?

Accepted Answer

DSCR and portfolio loans don't cap you at 10 properties like conventional loans do. Scaling is much easier through non-QM.

Question 6

Are investor loan rates higher than primary home rates?

Accepted Answer

Yes, investor loans carry a rate premium over primary residence loans. Rates vary by borrower profile and market conditions.

Investor Loans in Beaumont, CA — Built for Real Deals