Question 1

What is a DSCR loan and how does it work in Guadalupe?

Accepted Answer

DSCR loans qualify based on rental income, not your personal income. If the rent covers the mortgage, you can often get approved.

Question 2

How much down payment do I need for an investor loan?

Accepted Answer

Most investor loans require 20-25% down. Hard money lenders may require more depending on the deal.

Question 3

Can I use rental income from the new property to qualify?

Accepted Answer

Yes — DSCR loans are built exactly for this. The property's projected rent is what lenders evaluate.

Question 4

Do investor loans in Guadalupe require a property inspection?

Accepted Answer

Most lenders require an appraisal at minimum. Fix-and-flip or bridge lenders may also require a scope of work.

Question 5

How fast can an investor loan close in Guadalupe?

Accepted Answer

DSCR loans typically close in 2-4 weeks. Hard money can close in days when the deal warrants it.

Question 6

Can I finance multiple Guadalupe properties at once?

Accepted Answer

Yes. DSCR loans don't cap financed properties the way conventional loans do. Portfolio strategies are very doable.

Investor Loans in Guadalupe, CA — Built for Real Deals