Question 1

Can I qualify without showing personal income?

Accepted Answer

Yes, on a DSCR loan. The property's rental income qualifies the deal, not your tax returns.

Question 2

What credit score do I need for an investor loan in Highland?

Accepted Answer

Most non-QM lenders want 640 or higher. Better scores get better rates. Rates vary by borrower profile and market conditions.

Question 3

How much do I need to put down?

Accepted Answer

Plan for 20-25% down on most investor loans. Some fix-and-flip products have different structures based on ARV.

Question 4

How fast can an investor loan close in Highland?

Accepted Answer

DSCR loans typically close in 2-4 weeks. Hard money can close faster, sometimes under 10 business days.

Question 5

Can I use a DSCR loan on a short-term rental property?

Accepted Answer

Some lenders allow it using projected STR income. Not every lender does — we know which ones accept that approach.

Question 6

Is Highland a good market for fix-and-flip investing?

Accepted Answer

The Inland Empire has active rehab activity. Price points in Highland can leave room for profit when you buy right.

Investor Loans in Highland, CA — Built for Real Deals