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Folsom attracts serious investors. Strong rental demand, proximity to Sacramento, and a stable job base make it a consistent performer.
Investor loan programs here range from DSCR to hard money. The right loan depends on your exit strategy, not just your credit score.
620 (DSCR)
Min Credit Score
20-25%
Min Down Payment
No (Non-QM)
Income Docs Required
7-14 Days
Hard Money Close Time
Varies by Program
Rate Type
Investor Loans in Folsom
Most investor loans are Non-QM. Lenders don't use your W-2 — they qualify you on the property's income or your asset base.
DSCR loans require the rent to cover the mortgage, typically at a 1.0x ratio or better. Credit minimums usually start at 620 to 660.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Folsom.
Folsom attracts serious investors. Strong rental demand, proximity to Sacramento, and a stable job base make it a consistent performer.
Investor loan programs here range from DSCR to hard money. The right loan depends on your exit strategy, not just your credit score.
Most investor loans are Non-QM. Lenders don't use your W-2 — they qualify you on the property's income or your asset base.
Retail banks rarely offer competitive investor loan programs. Wholesale lenders built for Non-QM deals move faster and approve more.
We work with 200+ wholesale lenders. That means we can match your deal — rental, flip, or portfolio — to the right program and rate.
The most common mistake investors make: applying at their personal bank. Underwriters there aren't built for rental income analysis.
DSCR loans close faster and skip the income documentation headache. For flips, hard money or bridge loans are typically the right call.
Conventional investment loans exist but cap out at 10 financed properties and require full income documentation. That kills deals for many investors.
DSCR and hard money loans have no financed property limits. Serious portfolio builders outgrow conventional fast — Non-QM keeps deals moving.
Folsom sits in Sacramento County, which has a strong renter base. Tech workers, state employees, and military families all rent here.
The Folsom market tends to favor buy-and-hold over aggressive flipping. Rental yields support DSCR qualification on well-priced acquisitions.
Not for DSCR or hard money loans. Those programs qualify on property income or collateral, not your personal tax returns.
Most DSCR lenders start at 620. Better rates kick in above 700. Your rate also depends on the property's debt coverage ratio.
Hard money loans can close in 7 to 14 days. That speed is why fix-and-flip investors use them over conventional financing.
Yes — DSCR loans use the property's rental income, not yours. The rent needs to cover the mortgage payment, typically at 1.0x or better.
Plan on 20 to 25 percent down for most investor loan programs. Some hard money lenders go lower if your deal has strong equity.
Yes. Non-QM programs like DSCR don't cap financed properties the way conventional loans do. Portfolio investors use them for exactly this reason.