Question 1

Can I use rental income to qualify for an investor loan in Mountain View?

Accepted Answer

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.

Question 2

Does Mountain View rent control affect my loan approval?

Accepted Answer

It doesn't affect approval directly, but lenders review rental income. Rent-controlled units may show lower rents, which impacts your DSCR.

Question 3

What's the minimum down payment for an investment property here?

Accepted Answer

Most non-QM lenders require 20-25% down on investment properties. Higher down payments often get you better rates.

Question 4

Can I finance a short-term rental in Mountain View?

Accepted Answer

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.

Question 5

How fast can an investor loan close in Mountain View?

Accepted Answer

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, CA