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San Jose sits in one of the tightest rental markets in the country. Demand from tech workers keeps vacancy rates low and rents high.
That dynamic makes Santa Clara County a serious target for real estate investors. Cash flow is real here — if you structure the deal right.
680+
Min Credit Score
20-25%
Min Down Payment
6-12 Months
Reserves Required
1-2 Weeks
Hard Money Close
Not Required
Income Docs (DSCR)
Investor Loans in San Jose
Investor loans are non-QM products. Lenders skip your W-2 and focus on the property's income potential instead.
Most programs want a 680+ credit score and 20-25% down. Reserves matter too — expect to show 6-12 months of payments in the bank.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in San Jose.
San Jose sits in one of the tightest rental markets in the country. Demand from tech workers keeps vacancy rates low and rents high.
That dynamic makes Santa Clara County a serious target for real estate investors. Cash flow is real here — if you structure the deal right.
Investor loans are non-QM products. Lenders skip your W-2 and focus on the property's income potential instead.
Big retail banks are conservative with investor loans. Many cap out at 10 financed properties and add heavy overlays.
We work with 200+ wholesale lenders. That means more DSCR options, portfolio products, and no-income programs built for investors.
The DSCR loan is the most popular investor product we place in San Jose. It qualifies based on rent vs. mortgage payment — not your income.
Fix-and-flip deals here often use hard money or bridge loans to close fast. Speed wins in a competitive market. We can close some programs in under 2 weeks.
Conventional investment loans have lower rates but strict income and property count limits. They work well for a first or second rental — not a portfolio.
DSCR loans cost a bit more in rate but scale better. No income docs, no tax return headaches. For active investors, the tradeoff is worth it.
San Jose property values are high. Most investment purchases here push well past conforming loan limits, landing in jumbo territory.
That matters because jumbo investor loans carry tighter guidelines. You need stronger reserves and a cleaner credit file to get the best pricing.
DSCR stands for Debt Service Coverage Ratio. Lenders compare the property's rent to its monthly payment — no personal income docs required.
Most investor loan programs require 20-25% down. Jumbo investor loans may require 25-30% depending on the lender.
Yes — DSCR loans qualify entirely on the property's rental income. Your personal tax returns stay out of the picture.
Most programs start at 680. Better pricing kicks in at 720+. Rates vary by borrower profile and market conditions.
Hard money and bridge loans can close in 1-2 weeks. DSCR loans typically take 3-4 weeks depending on the lender.
Yes. DSCR and portfolio loans are well-suited for duplexes, triplexes, and fourplexes. Stronger rental income often improves approval odds.