Question 1

Can I use rental income to qualify for a loan in Lathrop?

Accepted Answer

Yes. DSCR loans qualify you on the property's rent, not your personal income. The rent just needs to cover the monthly payment.

Question 2

How many investment properties can I finance?

Accepted Answer

Non-QM lenders don't cap you at four like conventional programs do. Some wholesale lenders will go 10, 20, or more.

Question 3

What credit score do I need for an investor loan?

Accepted Answer

Most non-QM programs start around 620-640. Rates vary by borrower profile and market conditions.

Question 4

How fast can a hard money loan close in Lathrop?

Accepted Answer

Hard money lenders can fund in 7-14 days in many cases. Speed depends on title, appraisal, and lender workflow.

Question 5

Do I need to show tax returns for a DSCR loan?

Accepted Answer

No. DSCR lenders look at the property's income, not yours. Most don't require personal tax returns at all.

Question 6

What down payment is required on investment property?

Accepted Answer

Most investor loan programs require 20-30% down. Some hard money lenders may go lower depending on the deal.

Investor Loans in Lathrop, CA — Built for Real Deals