Question 1

Can I use projected rental income to qualify?

Accepted Answer

Yes, most investor loans approve based on rental income shown on the appraisal or existing lease agreements. Lenders don't count your W-2 income for qualification.

Question 2

What's the minimum credit score for Adelanto investor properties?

Accepted Answer

Most lenders require 620-680 depending on down payment and reserves. Higher scores unlock better rates and lower down payment requirements.

Question 3

Do I need an LLC to get an investor loan?

Accepted Answer

No, you can close in your personal name. Some investors prefer LLCs for liability protection, but it's not a loan requirement.

Question 4

How many investment properties can I finance?

Accepted Answer

Portfolio lenders don't cap the number like Fannie Mae does at 10. We've financed investors with 20+ properties through the right lender relationships.

Question 5

What if the property needs major repairs?

Accepted Answer

Start with hard money or a renovation loan. Once repairs are done, refinance into a DSCR loan with better terms and lower rates.

Investor Loans in Adelanto — Finance Your High Desert Rental Portfolio