Question 1

What is a DSCR loan and how does it work in San Jose?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders compare the property's rent to its monthly payment — no personal income docs required.

Question 2

How much do I need down for an investment property in San Jose?

Accepted Answer

Most investor loan programs require 20-25% down. Jumbo investor loans may require 25-30% depending on the lender.

Question 3

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

Accepted Answer

Yes — DSCR loans qualify entirely on the property's rental income. Your personal tax returns stay out of the picture.

Question 4

What credit score do I need for an investor loan?

Accepted Answer

Most programs start at 680. Better pricing kicks in at 720+. Rates vary by borrower profile and market conditions.

Question 5

How fast can an investor loan close in San Jose?

Accepted Answer

Hard money and bridge loans can close in 1-2 weeks. DSCR loans typically take 3-4 weeks depending on the lender.

Question 6

Do investor loans work for multi-unit properties in San Jose?

Accepted Answer

Yes. DSCR and portfolio loans are well-suited for duplexes, triplexes, and fourplexes. Stronger rental income often improves approval odds.

Investor Loans in San Jose, CA