Question 1

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

Accepted Answer

Yes. DSCR loans qualify you on the property's projected rent. Your personal income is not part of the equation.

Question 2

What credit score do I need for an investor loan?

Accepted Answer

Most lenders start at 660. Better scores get you lower rates and higher leverage. Rates vary by borrower profile and market conditions.

Question 3

How much can I borrow for an investment property here?

Accepted Answer

Loan amounts depend on property value, down payment, and lender appetite. Monte Sereno prices often push deals into jumbo territory.

Question 4

How fast can investor loans close in Monte Sereno?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money and bridge loans can close in 7-14 days for qualified borrowers.

Question 5

Do investor loans in California require owner occupancy?

Accepted Answer

No. Investor loans are specifically for non-owner-occupied properties. You do not need to live in the property.

Question 6

Can I finance multiple investment properties at once?

Accepted Answer

Yes. Portfolio lenders and DSCR programs are built for multi-property investors. We can structure deals across several properties.

Investor Loans in Monte Sereno, CA