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Rancho Cordova sits in one of Sacramento County's most active investor corridors. Rental demand is strong, and acquisition prices are lower than the Bay Area — that math works for investors.
Fix-and-flip and long-term rental activity has been consistent here. Investors from across California are paying attention to this market.
620–680 typical
Min Credit Score
20–25% required
Down Payment
Not required (non-QM)
Income Docs
2–4 weeks
Typical Close Time
3–6 months
Reserves Required
Investor Loans in Rancho Cordova
Investor loans are non-QM products. That means lenders skip your W-2s and tax returns. They care about the property's income potential and your experience.
Most lenders want a 620–680 minimum credit score. Down payments typically start at 20–25%. Cash reserves matter — plan on 3–6 months minimum.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cordova.
Rancho Cordova sits in one of Sacramento County's most active investor corridors. Rental demand is strong, and acquisition prices are lower than the Bay Area — that math works for investors.
Fix-and-flip and long-term rental activity has been consistent here. Investors from across California are paying attention to this market.
Investor loans are non-QM products. That means lenders skip your W-2s and tax returns. They care about the property's income potential and your experience.
Retail banks rarely do investor loans well. Their guidelines are tight and their pricing is slow. Wholesale lenders built for non-QM move faster and offer more flexibility.
At SRK CAPITAL, we shop across 200+ wholesale lenders. That means we find pricing and programs that most borrowers never see on their own.
The most common mistake investors make is applying at their personal bank first. Those lenders slow-walk the deal and sometimes kill it on rate.
DSCR loans are the go-to for rental properties here. The lender qualifies the loan on rent income — not your personal income. That's a big deal for portfolio investors.
Conventional investment loans cap out at 10 financed properties. Non-QM investor loans have no such ceiling — critical if you're building a portfolio.
Hard money closes faster but costs more. DSCR loans offer better long-term rates for stabilized rentals. Bridge loans fill the gap during repositioning. Knowing which fits your deal is where we add value.
Rancho Cordova has a mix of single-family rentals, small multifamily, and light commercial — investor loan programs exist for all of it.
Sacramento County's rent-to-price ratios have historically supported positive DSCR coverage on acquisitions. That makes qualifying through rental income more achievable than in high-cost California markets.
Yes — DSCR loans qualify entirely on the property's rent income. Your personal income is not part of the equation.
Most investor loan programs require 20–25% down. Some niche programs allow less, but expect higher rates.
Non-QM investor loans typically close in 2–4 weeks. Hard money can close faster, sometimes in days.
Yes. Fix-and-flip buyers typically use hard money or bridge loans. These are short-term products designed for quick acquisition and rehab.
Non-QM investor loans have no 10-property cap. Conventional loans do — that's a key reason investors go non-QM.
Most lenders want 620 at minimum. Better rates come at 700+. Rates vary by borrower profile and market conditions.