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San Juan Bautista is a small, historic town in San Benito County. Its tight inventory and tourism draw make it an interesting target for buy-and-hold investors.
Rental demand here ties closely to tourism and proximity to Highway 101. That dynamic favors investors who can hold through seasonal fluctuation.
620–660 typical
Min Credit Score
20–25%
Down Payment
No (DSCR)
Income Docs Required
21–30 days
Typical Close Time
Varies by profile
Rate Note
Investor Loans in San Juan Bautista
Most investor loans here are non-QM products. That means lenders qualify you on the property's income — not your tax returns.
DSCR loans are the most common fit. Lenders want to see the rent cover the mortgage, typically at a 1.0 to 1.25 ratio.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista is a small, historic town in San Benito County. Its tight inventory and tourism draw make it an interesting target for buy-and-hold investors.
Rental demand here ties closely to tourism and proximity to Highway 101. That dynamic favors investors who can hold through seasonal fluctuation.
Most investor loans here are non-QM products. That means lenders qualify you on the property's income — not your tax returns.
Most retail banks won't touch small-town investment deals in San Benito County. Wholesale lenders fill that gap.
We work with 200+ wholesale lenders. That gives us options when a deal doesn't fit a single lender's box.
Fix-and-flip projects in San Juan Bautista are tricky. Comps are thin and appraisers struggle with after-repair value here.
For buy-and-hold deals, lean toward DSCR loans. They close faster and don't require income documentation. Hard money is a last resort — the rates will hurt your cash flow.
Conventional investment loans require full income docs and cap you at 10 financed properties. DSCR loans have no income doc requirement and no portfolio cap at most lenders.
Bridge loans work when you need to close fast and refinance later. Interest-only options can improve early cash flow while you stabilize a property.
San Juan Bautista's historic district limits some renovation projects. Check with San Benito County before assuming a full rehab is permissible.
Short-term rental rules in unincorporated San Benito County are evolving. Verify local ordinances before underwriting a vacation rental strategy.
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.
Expect 20-25% down for most investor loan programs. Some hard money lenders go lower, but the rate increases significantly.
Yes, but appraisals are harder here due to thin comps. Your lender needs to be comfortable with rural San Benito County valuations.
No. Most lenders allow individuals to borrow. LLCs are accepted too — some investors prefer them for liability protection.
DSCR loans typically close in 21-30 days. Hard money can close in under two weeks when the deal is straightforward.