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Lodi sits in San Joaquin County, where rental demand is steady and prices run well below coastal California metros.
That spread between purchase price and rent potential is exactly what makes Lodi attractive for buy-and-hold investors.
660+ (best pricing)
Min Credit Score
20–25% typical
Down Payment
Not required (DSCR)
Income Docs
7–30 days
Close Time
6–12 months
Reserves Required
Investor Loans in Lodi
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you.
Instead, they look at the property's income, your reserves, and your credit score — usually 660 or higher for best pricing.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Lodi.
Lodi sits in San Joaquin County, where rental demand is steady and prices run well below coastal California metros.
That spread between purchase price and rent potential is exactly what makes Lodi attractive for buy-and-hold investors.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you.
Most retail banks won't touch non-QM investor deals. Wholesale lenders built for this space are where the real options live.
At SRK CAPITAL, we shop across 200+ wholesale lenders to find the right program — DSCR, bridge, hard money, or interest-only.
The most common mistake investors make in Lodi is applying through a retail bank and getting denied — then thinking they don't qualify.
Non-QM investor loans have different approval logic. A DSCR loan cares about the rent, not your personal income.
DSCR loans work best when the rent covers the mortgage — typically a 1.0 DSCR ratio or higher.
If the numbers are tighter or you need fast close on a flip, hard money or bridge loans are faster but carry higher rates. Rates vary by borrower profile and market conditions.
Lodi's wine country reputation brings both short-term rental opportunity and long-term tenant stability.
San Joaquin County has no special transfer taxes that spike investor closing costs, which keeps deal math cleaner here than in some Bay Area cities.
Yes — DSCR loans qualify you based on the property's rent, not your personal income. The property needs to cover the mortgage payment.
Most investor loan programs require 20–25% down. Some hard money lenders go higher depending on the deal.
Most lenders want a 660+ score for competitive pricing. Lower scores are possible but expect tighter terms.
DSCR loans typically close in 21–30 days. Hard money can close in 7–10 days for time-sensitive deals.
Yes, but lenders vary on how they treat STR income. We work with lenders that accept Airbnb-style rental projections.
Hard money and bridge loans are built for flips. They fund fast and allow for rehab draws in some programs.