Question 1

Can I use rental income to qualify for an investor loan here?

Accepted Answer

Yes. DSCR loans qualify you on the property's rent, not your personal income. That's the most common structure for San Juan Bautista investment deals.

Question 2

What down payment do I need for an investment property?

Accepted Answer

Expect 20-25% down for most investor loan programs. Some hard money lenders go lower, but the rate increases significantly.

Question 3

Are fix-and-flip loans available in San Juan Bautista?

Accepted Answer

Yes, but appraisals are harder here due to thin comps. Your lender needs to be comfortable with rural San Benito County valuations.

Question 4

Do investor loans require a California LLC?

Accepted Answer

No. Most lenders allow individuals to borrow. LLCs are accepted too — some investors prefer them for liability protection.

Question 5

How fast can an investor loan close in San Benito County?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in under two weeks when the deal is straightforward.

Investor Loans in San Juan Bautista, CA