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Galt sits in southern Sacramento County — close enough to the metro, small enough to have real upside.
Investors here are buying rentals and flips at price points that still pencil out. That's harder to find in most of California.
620+
Min Credit Score
20–25%
Typical Down Payment
Not Required
Income Docs (DSCR)
7–10 Days
Hard Money Close Time
1.0x
DSCR Min Ratio
Investor Loans in Galt
Investor loans don't follow standard qualifying rules. Your personal income often matters less than the deal itself.
DSCR loans — Debt Service Coverage Ratio — qualify you based on rental income versus the monthly payment. Most lenders want a ratio of 1.0 or higher.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Galt.
Galt sits in southern Sacramento County — close enough to the metro, small enough to have real upside.
Investors here are buying rentals and flips at price points that still pencil out. That's harder to find in most of California.
Investor loans don't follow standard qualifying rules. Your personal income often matters less than the deal itself.
Big banks are stingy on investor deals. Portfolio lenders and wholesale channels are where the real programs live.
We work with 200+ wholesale lenders. That matters when one lender caps you at 4 financed properties and another goes to 20.
The loan structure matters as much as the rate. A hard money loan closes fast but costs more — right for a flip, wrong for a hold.
DSCR is our go-to for Galt buy-and-hold investors. No tax returns, no employment verification, no headaches.
Conventional investor loans require full income docs and cap you at 10 financed properties. DSCR loans skip the tax return entirely.
Bridge loans cover the gap when you're buying before selling. Interest-only options keep monthly payments low while you reposition a property.
Galt's rental market draws tenants priced out of Sacramento proper. That demand supports DSCR ratios that actually qualify.
Fix-and-flip activity is real here. Properties that need work trade at discounts — hard money and bridge loans are the right tools for those deals.
No. DSCR lenders qualify the property, not your W-2. The rental income has to cover the monthly payment.
Most investor loan programs start at 620. Better rates kick in above 700. Rates vary by borrower profile and market conditions.
Plan on 20-25% down for most investor loans. Some non-QM programs allow 15% with stronger credit.
DSCR is designed for stabilized rentals. Hard money or bridge loans are better fits for active flip projects.
DSCR loans typically close in 21-30 days. Hard money can close in 7-10 days when the deal needs speed.
Non-QM and portfolio lenders often go well beyond 10 properties. That's one reason we work across 200+ wholesale lenders.