Question 1

Do I need to show personal income for an SF investor loan?

Accepted Answer

Not with most non-QM programs. DSCR loans qualify based on the property's rent income, not your tax returns.

Question 2

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

Accepted Answer

Most programs require 680 or higher. Hard money lenders may go lower but expect higher rates. Rates vary by borrower profile and market conditions.

Question 3

Can I use a DSCR loan on a rent-controlled SF property?

Accepted Answer

Yes, but some lenders apply a haircut to projected rents on rent-controlled units. Ask your broker how a specific lender underwrites that.

Question 4

How much do I need to put down on an SF investment property?

Accepted Answer

Plan for 20-25% down on most investor loan programs. Some bridge or hard money deals may require more depending on the asset.

Question 5

What's the difference between a hard money loan and a DSCR loan?

Accepted Answer

Hard money is short-term, asset-based, and built for acquisitions or flips. DSCR is a longer-term hold product priced on rental income.

Question 6

How fast can an investor loan close in San Francisco?

Accepted Answer

Hard money can close in 7-14 days. DSCR loans typically take 3-4 weeks depending on appraisal and title.

Investor Loans in San Francisco: What Actually Gets Deals Done