Question 1

What is a DSCR loan and how does it work?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. The lender divides the property's rent by the mortgage payment — a ratio above 1.0 typically qualifies.

Question 2

How much do I need to put down in Campbell?

Accepted Answer

Most investor loan programs require 20-25% down. Higher down payments can improve your rate and approval odds.

Question 3

Can I use rental income to qualify?

Accepted Answer

Yes — DSCR loans use the property's rental income, not your personal income. This is why investors prefer them over conventional loans.

Question 4

How many investment properties can I finance?

Accepted Answer

DSCR loans have no hard cap on financed properties. Conventional loans stop at 10 — DSCR lets you scale your portfolio.

Question 5

What credit score do investor lenders want?

Accepted Answer

Most programs start at 660. Scores above 720 typically get better rates. Rates vary by borrower profile and market conditions.

Question 6

Is a fix-and-flip in Campbell still worth it?

Accepted Answer

High property values mean higher potential margins but also higher carrying costs. Hard money or bridge loans are the right tools for flips here.

Investor Loans in Campbell, CA — Built for Real Deals