Question 1

Do I need to show personal income for a DSCR loan in San Bernardino?

Accepted Answer

No. DSCR loans qualify based on property rent income, not your personal income. Your tax returns and W-2s don't factor in.

Question 2

How much do I need to put down on an investor loan here?

Accepted Answer

Most programs require 20-25% down. Some lenders go higher depending on your credit score and property type.

Question 3

Can I use a DSCR loan on a fix-and-flip in San Bernardino?

Accepted Answer

DSCR loans work best for stabilized rentals. Fix-and-flip projects typically need hard money or bridge financing instead.

Question 4

What credit score do investor loan programs require?

Accepted Answer

Most non-QM investor programs start at 620-640. Better scores get better pricing. Rates vary by borrower profile and market conditions.

Question 5

How fast can an investor loan close in San Bernardino?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in 7-10 days when speed is the priority.

Question 6

Can I finance multiple rental properties using DSCR loans?

Accepted Answer

Yes. Unlike conventional loans, DSCR programs have no cap on financed properties. Portfolio investors use them to scale without income restrictions.

Investor Loans in San Bernardino, CA