Question 1

Do I need to show personal income for a DSCR loan in Los Gatos?

Accepted Answer

No. DSCR loans qualify based on the property's rental income, not your personal income. Your tax returns stay out of the file.

Question 2

What credit score do investor loans in Los Gatos require?

Accepted Answer

Most non-QM investor programs want a 680 minimum. Higher scores unlock better rates and lower down payment requirements.

Question 3

Can I use an LLC to buy an investment property in Los Gatos?

Accepted Answer

Yes — many non-QM lenders allow LLC vesting. Some require a personal guarantee, so confirm that before structuring your entity.

Question 4

How fast can a hard money loan close in Santa Clara County?

Accepted Answer

Hard money lenders can often close in 7-14 days. That speed is the main reason investors use them for competitive deals.

Question 5

What down payment do I need for an investor loan in Los Gatos?

Accepted Answer

Plan for 20-25% down on most investor loan programs. Some jumbo non-QM products may require more at higher price points.

Question 6

Can I do a cash-out refinance on a rental property I already own in Los Gatos?

Accepted Answer

Yes. DSCR cash-out refinances are common for pulling equity from existing rentals. Lenders still check the property's income coverage ratio.

Investor Loans in Los Gatos, CA