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Redding draws investors for a reason. Lower price points than coastal California mean your capital stretches further here.
Shasta County's rental market runs on working-class demand. That steady tenant base makes cash flow math work on the right properties.
620 (DSCR typical)
Min Credit Score
20–25% typical
Down Payment
No (DSCR / Non-QM)
Income Docs Required
As fast as 7–10 days
Hard Money Close
Varies by product
Rate Type
Investor Loans in Redding
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the deal itself.
DSCR loans qualify on rental income. Hard money qualifies on property value. Each product has different credit and down payment thresholds.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Redding.
Redding draws investors for a reason. Lower price points than coastal California mean your capital stretches further here.
Shasta County's rental market runs on working-class demand. That steady tenant base makes cash flow math work on the right properties.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the deal itself.
Most banks won't touch investor loans past four properties. Wholesale lenders built for non-QM go well beyond that limit.
Rate spreads between lenders on investor products are wide. Shopping 200+ lenders isn't optional — it's how you protect your margin.
The biggest mistake investors make is walking into a bank first. Banks price these loans like they don't want the business — because they don't.
DSCR loans are the cleanest fit for buy-and-hold investors in Redding. If the rent covers 1.0x to 1.25x the payment, most lenders will move.
Conventional investment loans cap at ten financed properties and require full income documentation. DSCR loans skip both restrictions.
Hard money is faster but costs more. It's a tool for flips and quick closings — not a long-term hold strategy.
Redding's older housing stock creates real fix-and-flip volume. Many homes need work — which is exactly where hard money and bridge loans earn their keep.
Landlord-friendly Shasta County keeps eviction timelines manageable. That matters when you're underwriting long-term rental risk.
Yes. DSCR loans qualify based on the property's rental income, not your personal income. No tax returns or pay stubs required.
Most DSCR and non-QM investor products want at least 620. Hard money lenders focus more on the deal than your credit score.
Plan for 20–25% down on most investor loan products. Some hard money lenders go lower depending on the deal's strength.
Yes. Non-QM investor products don't use Fannie Mae's ten-property cap. Some lenders finance unlimited rental portfolios.
Yes, investor loan rates run higher than owner-occupied rates. Rates vary by borrower profile and market conditions.
Hard money loans close fastest — sometimes in 7–10 days. Bridge loans are the next quickest option for transitional deals.