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Cathedral City sits between Palm Springs and Rancho Mirage. That location makes it a real target for short-term rental and buy-and-hold investors.
The Coachella Valley draws consistent tourism traffic. That demand supports rental income — which is exactly what investor lenders underwrite against.
680+
Min Credit (DSCR)
20–25%
Min Down Payment
None (DSCR)
Income Docs Required
5–10 Business Days
Hard Money Close Time
Loan type & profile
Rates Vary By
Investor Loans in Cathedral City
Most investor loans skip personal income verification entirely. Lenders qualify you on the property's rent income or after-repair value instead.
Credit requirements vary by product. DSCR loans typically want a 680 score. Hard money lenders care more about the deal than your credit file.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Cathedral City.
Cathedral City sits between Palm Springs and Rancho Mirage. That location makes it a real target for short-term rental and buy-and-hold investors.
The Coachella Valley draws consistent tourism traffic. That demand supports rental income — which is exactly what investor lenders underwrite against.
Most investor loans skip personal income verification entirely. Lenders qualify you on the property's rent income or after-repair value instead.
Retail banks rarely do DSCR or hard money loans. You need wholesale lenders who specialize in investor products — and most borrowers never get access to them directly.
We work with 200+ wholesale lenders at SRK CAPITAL. That means we can shop investor programs across the full market, not just what one bank offers.
Cathedral City has a strong short-term rental market. But some lenders underwrite STR income differently than long-term rent — make sure your broker knows the difference.
Fix-and-flip projects here move fast. Bridge loans and hard money close in days, not weeks. If you're waiting on a conventional lender, you're losing deals.
DSCR loans work best for stabilized rentals with reliable income. Hard money is for acquisitions or flips where speed matters more than rate.
Bridge loans fill the gap between purchase and permanent financing. Interest-only loans lower your monthly payment while you stabilize a property.
Riverside County has active short-term rental regulations. Cathedral City requires STR permits — confirm compliance before your lender orders the appraisal.
Desert properties can carry higher insurance costs. Factor that into your cash flow analysis before you commit to a purchase price.
Yes. DSCR loans qualify you on the property's rent, not your personal income. The property's cash flow is the underwriting standard.
Some lenders accept Airbnb income for DSCR underwriting. Not all do — this is one area where lender selection really matters.
Hard money and bridge loans can close in 5-10 business days. DSCR loans typically take 3-4 weeks, similar to conventional timelines.
Most investor loan programs require 20-25% down. Some hard money lenders go higher depending on the deal's risk profile.
You don't need it at application, but lenders underwriting STR income will want to see permit compliance. Get it early to avoid delays.