Loading
Loading
San Diego County completed its biggest year of low-income housing construction in nearly 40 years. That activity signals strong rental demand across the region, including National City.
Investor loans let you finance rental properties without owner-occupied lending constraints. You'll typically need 20% to 25% down and solid cash reserves to qualify.
620 FICO (640+ preferred)
Minimum Credit Score
20-25%
Down Payment Required
30-45 days
Underwriting Timeline
$1,104,000
2026 Conforming Limit
Investor Loans in National City
Investor loans in National City require a minimum 620 FICO score. Most lenders prefer 640 or higher for better terms.
You'll need 20% to 25% down and typically six to twelve months of reserves. The lender verifies your ability to cover the mortgage from rental income or personal funds.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in National City.
San Diego County completed its biggest year of low-income housing construction in nearly 40 years. That activity signals strong rental demand across the region, including National City.
Investor loans let you finance rental properties without owner-occupied lending constraints. You'll typically need 20% to 25% down and solid cash reserves to qualify.
Investor loans in National City require a minimum 620 FICO score. Most lenders prefer 640 or higher for better terms.
Investor loans in California are tighter than owner-occupied mortgages. Most lenders require strong credit, substantial reserves, and documented rental income.
Underwriting timelines run 30 to 45 days because lenders verify rental history and cash reserves thoroughly. DSCR and no-ratio financing options are available when standard ratios fall short.
Investor loans make sense in National City when the property's monthly rent covers the mortgage, taxes, insurance, and HOA. A property that barely breaks even is a harder sell to lenders.
The 2026 conforming limit in San Diego County is $1,104,000. Above that, you'll need a jumbo investor loan with tighter terms.
Investor loans differ from owner-occupied mortgages in down payment and income verification. Investors need 20% to 25% down; owner-occupants can put 3% to 5% down.
FHA loans are not available for investment properties. VA loans are not available for investors either. Conventional or jumbo loans are your only path.
San Diego is seeking delays to a new state law requiring high-rise housing near transit stops. That regulatory uncertainty may slow new apartment construction in some areas.
The team behind Galū Cafe is opening a sister location in City Heights this fall. That retail expansion signals neighborhood investment and foot traffic growth.
Most lenders require a minimum 620 FICO, but 640 or higher is preferred. Investor loans carry tighter credit standards than owner-occupied mortgages.
Investor loans require 20% to 25% down payment. Owner-occupants can put 3% to 5% down, but investors face stricter requirements.
Yes. The lender will verify the property's lease agreement and rental income. If monthly rent covers the mortgage, taxes, and insurance, that income counts toward approval.
Plan on six to twelve months of mortgage payments in liquid savings. Lenders want proof you can cover the loan if the property sits vacant.
The 2026 conforming limit in San Diego County is $1,104,000 for all loan types. Investor loans above that amount are jumbo loans with stricter terms.