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Sacramento draws serious real estate investors. Strong rental demand, relative affordability, and proximity to the Bay Area keep deal flow consistent.
As of April 2026, investor activity in Sacramento spans single-family rentals, small multifamily, and fix-and-flip projects across multiple zip codes.
620–680
Min Credit Score
20–25%
Min Down Payment
None (DSCR)
Income Docs Required
5–10 Business Days
Hard Money Close Time
DSCR Ratio & LTV
Rates Vary By
Investor Loans in Sacramento
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income potential or your assets.
Most DSCR programs require a 620–680 credit score. Expect 20–25% down and reserves of 3–6 months for each property in your portfolio.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Sacramento.
Sacramento draws serious real estate investors. Strong rental demand, relative affordability, and proximity to the Bay Area keep deal flow consistent.
As of April 2026, investor activity in Sacramento spans single-family rentals, small multifamily, and fix-and-flip projects across multiple zip codes.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income potential or your assets.
Retail banks rarely touch investor loans with aggressive terms. Wholesale lenders built for non-QM are where the real programs live.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means we can match your deal — rental, flip, or portfolio — to the right program.
The biggest mistake investors make: they apply at one bank, get denied, and think the deal is dead. It's not. The lender was just wrong for that deal.
DSCR loans price on the property's rent-to-payment ratio. If your Sacramento rental cash-flows at 1.1x or better, you're in a fundable position with the right lender.
Conventional investment loans cap at 10 financed properties and require full income docs. DSCR loans skip both restrictions for most borrowers.
Hard money closes faster but carries higher rates. Bridge loans work well between a purchase and a permanent DSCR refinance. The right tool depends on your timeline.
Sacramento's neighborhoods vary sharply by investor profile. Some areas favor long-term rentals with stable tenants. Others move fast on flips.
Sacramento County has no local transfer tax surcharge above the state rate. That keeps acquisition costs lower than some Bay Area counties — a real advantage on thin-margin deals.
No. DSCR loans qualify based on the property's rental income, not your tax returns. This makes them ideal for self-employed investors or those with complex income.
Most programs require 20–25% down. Some lenders go to 15% with stronger credit and reserves, but that's less common.
No. DSCR loans are for stabilized rentals. Fix-and-flip projects need hard money or bridge financing with a short-term payoff structure.
Non-QM investor loans have no hard cap like conventional Fannie Mae products. Portfolio and DSCR lenders regularly finance 10, 20, or more properties.
Hard money can close in 5–10 business days. DSCR loans typically close in 21–30 days depending on appraisal and title.
Most lenders use a market rent appraisal if the unit is vacant. An occupied property with a lease is cleaner and often gets better terms.