Loading
Loading
Chino Hills sits in San Bernardino County, where the median household income of $82,184 supports steady rental demand. Investor loans here target properties that generate income through tenants, not owner-occupancy.
Real estate investors in Chino Hills face tighter underwriting than owner-occupants. Lenders scrutinize lease agreements, tenant history, and property condition.
$832,750
2026 Conforming Limit
20%
Minimum Down Payment
620
Minimum FICO
45–60 days
Closing Timeline
0.5%–1%
Rate Premium vs. Owner-Occupied
Investor Loans in Chino Hills
Investor loans in Chino Hills start with a 620 FICO floor, but most lenders prefer 680 or higher. Down payment runs 20% to 25% for conforming loans.
San Bernardino County's median household income of $82,184 tells you what owner-occupants can afford, but investor qualification ignores personal income. Instead, lenders look at the property's rent roll.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Chino Hills.
Chino Hills sits in San Bernardino County, where the median household income of $82,184 supports steady rental demand. Investor loans here target properties that generate income through tenants, not owner-occupancy.
Real estate investors in Chino Hills face tighter underwriting than owner-occupants. Lenders scrutinize lease agreements, tenant history, and property condition.
Investor loans in Chino Hills start with a 620 FICO floor, but most lenders prefer 680 or higher. Down payment runs 20% to 25% for conforming loans.
Investor loans in California are tighter than owner-occupied mortgages. Most lenders require full documentation of rental income — leases, tenant payment history, and property appraisals.
Closing timelines for investor loans run 45 to 60 days because underwriting is more thorough. Appraisals must reflect rental value, not owner-occupant comps.
Investor loans make sense in Chino Hills when the property's rent covers DSCR 1.25x or better. A duplex renting for $2,400 per unit can support a $380,000 loan at current rates.
The real advantage of investor loans is that they ignore your personal credit score and income. A borrower with a 680 FICO and modest W-2 income can finance a strong rental property if the rent supports the payment.
Investor loans differ from owner-occupied conventional mortgages in one critical way: rent replaces your job income. On a conventional loan, your W-2 and tax returns prove you can pay. On an investor loan, the property's lease and rent history prove it.
No-ratio financing (also called bank statement or stated-income DSCR) is gaining ground for investors whose properties don't hit 1.25x DSCR on paper. Lenders approve based on the property's potential and the borrower's reserves, not the lease.
Chino Hills is a bedroom community in San Bernardino County with stable single-family rental demand. Investors here typically target three-bedroom homes in the $650,000 to $800,000 range.
The county's median household income of $82,184 reflects the local renter base. Investors who buy in Chino Hills should expect tenants earning $60,000 to $100,000 annually.
20% for conforming loans up to $832,750. No-ratio or bank statement programs may require 25% to 30%. Down payment is non-negotiable — lenders won't go below 20% on investor properties.
No. Most lenders accept 620 FICO, though 680+ gets better rates and terms. Investor loans care more about the property's rent than your personal credit. A 650 FICO with strong DSCR beats a 750 FICO with weak rent.
DSCR is monthly rent divided by monthly mortgage payment (PITI + insurance + taxes). A $2,200 rent and $1,760 payment = 1.25x DSCR. Lenders require 1.25x minimum. Higher DSCR (1.5x+) gets better rates and faster approval.
No. Investor loans ignore your W-2 income entirely. Only the property's rental income counts. This is the key difference from owner-occupied loans — the property must qualify on its own cash flow.
No-ratio DSCR approves based on reserves and property potential, not the lease. It's for investors whose rent doesn't hit 1.25x on paper. Rates run 0.5% to 1% higher, and down payment jumps to 25% to 30%.