Question 1

Do I need to show personal income for an investor loan in Cupertino?

Accepted Answer

Not with a DSCR loan. The property's rental income is what lenders underwrite against — your tax returns stay out of it.

Question 2

What credit score do I need for an investor loan?

Accepted Answer

Most programs start at 680. Some hard money lenders go lower, but expect higher rates and fees if your score is below that.

Question 3

Can I use rental income from other properties to qualify?

Accepted Answer

It depends on the program. Some DSCR lenders look only at the subject property. Others factor in your full portfolio.

Question 4

How much do I need to put down in Cupertino?

Accepted Answer

Plan for 20-25% minimum. Some lenders require 30% on condos or properties with weaker cash flow numbers.

Question 5

Are fix-and-flip loans available for Cupertino properties?

Accepted Answer

Yes. Hard money and bridge loans are the standard tools. Loan-to-cost limits and draw schedules vary by lender.

Question 6

How fast can an investor loan close in Cupertino?

Accepted Answer

DSCR loans typically close in 3-4 weeks. Hard money can close in 7-10 days when the deal is clean and docs are ready.

Investor Loans in Cupertino, CA