Question 1

Can I use rental income to qualify for an investor loan in Manteca?

Accepted Answer

Yes — DSCR loans qualify you on the property's rent, not your personal income. That's the main advantage for investors with complex tax returns.

Question 2

How much do I need to put down on a Manteca investment property?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go higher depending on the deal.

Question 3

What credit score do I need for an investor loan?

Accepted Answer

Most non-QM lenders want at least a 620. Better scores get better pricing — 700+ opens up the most competitive programs.

Question 4

Can I finance a fix-and-flip in Manteca with an investor loan?

Accepted Answer

Yes. Bridge and hard money loans are built for flips. They close fast and are based on after-repair value, not current condition.

Question 5

Do I need a property management company to qualify?

Accepted Answer

No, but some lenders factor management costs into DSCR calculations. Ask upfront how your lender handles that.

Question 6

How fast can an investor loan close in Manteca?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money deals can close in 10-14 days when the deal is clean.

Investor Loans in Manteca, CA — Built for Rental Income and Flips