Question 1

Do I need to show personal income to qualify?

Accepted Answer

Not with a DSCR loan. The property's rental income qualifies you. No W-2s or tax returns required.

Question 2

What credit score do I need for an investor loan in Palo Alto?

Accepted Answer

Most non-QM investor programs want 680 or above. Some hard money lenders go lower but charge more.

Question 3

Can I use projected rent to qualify?

Accepted Answer

Some lenders accept market rent appraisals. Others want a signed lease. We'll match you to the right program.

Question 4

How fast can an investor loan close in Palo Alto?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money can close in under two weeks for competitive offers.

Question 5

Does short-term rental income count toward DSCR?

Accepted Answer

Some lenders allow it with 12-24 months of STR income history. Not all programs accept it — lender selection matters.

Question 6

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

Accepted Answer

Expect 20-25% down for most investor loan programs. Higher down payments often unlock better rates.

Investor Loans in Palo Alto, CA