Loading
Mountain View sits in the heart of Silicon Valley. Rental demand here stays strong year-round.
Tech employment density makes this one of California's most consistent rental markets. Investors see low vacancy and high rent potential.
660+
Min Credit Score
20-25%
Min Down Payment
1.0x
DSCR Minimum
21-30 days
Typical Close Time
Fixed or ARM
Rate Type
Investor loans are non-QM products. Lenders qualify you on the property's income, not your W-2.
Most programs want a 660+ credit score and 20-25% down. DSCR ratios at or above 1.0 are standard.
Big banks mostly pass on investor loans in high-cost markets like Mountain View. Wholesale non-QM lenders fill that gap.
We work with 200+ wholesale lenders. That means real competition on rate and terms for your deal.
Mountain View rents are strong enough that many properties hit a 1.0+ DSCR even at current rates. Run that math before you assume a deal won't work.
Short-term rental income gets treated differently by lenders. If you're running an Airbnb, you'll need a lender who accepts STR income — not all do.
DSCR loans are the cleanest option for buy-and-hold investors. Hard money makes sense for fix-and-flip but carries higher rates and short terms.
Bridge loans work when you need to close fast and refinance later. Interest-only options free up monthly cash flow on high-price Mountain View assets.
Santa Clara County property taxes run around 1.25% of assessed value. Factor that into your cash flow projections.
Mountain View has rent control under the CSFRA. Single-family homes built after 1995 are generally exempt — know which rules apply to your target property.
Yes. DSCR loans qualify you on the property's rent, not your personal income. The rent must cover the monthly payment at a 1.0 ratio or better.
It doesn't affect approval directly, but lenders review rental income. Rent-controlled units may show lower rents, which impacts your DSCR.
Most non-QM lenders require 20-25% down on investment properties. Higher down payments often get you better rates.
Some lenders accept STR income, but not all. You'll need a lender experienced with Airbnb-style rental projections — we know which ones qualify it.
DSCR loans typically close in 21-30 days. Hard money can close in under two weeks when documentation is ready.
Investor Loans in Mountain View