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Shasta Lake sits in a part of Northern California that most institutional lenders overlook. That's an advantage for investors who know how to structure deals.
Smaller markets like this tend to have less competition at the offer table. Cash flow potential is real if you buy right and finance smart.
660+
Min Credit Score
20-25%
Down Payment
Not required (DSCR)
Income Docs
7-14 days typical
Hard Money Close
Varies by borrower profile
Rate Note
Investor Loans in Shasta Lake
Investor loans are non-QM — meaning lenders skip your tax returns. They qualify you on the property's income or your asset picture instead.
Most programs want a 660+ credit score and 20-25% down. Some fix-and-flip lenders go lower on score if your experience is strong.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Shasta Lake.
Shasta Lake sits in a part of Northern California that most institutional lenders overlook. That's an advantage for investors who know how to structure deals.
Smaller markets like this tend to have less competition at the offer table. Cash flow potential is real if you buy right and finance smart.
Investor loans are non-QM — meaning lenders skip your tax returns. They qualify you on the property's income or your asset picture instead.
Big retail banks rarely touch non-QM investor deals in smaller California cities. Wholesale lenders are where the real programs live.
SRK CAPITAL works with 200+ wholesale lenders. We find programs for DSCR rentals, fix-and-flip, and portfolio deals that local banks won't touch.
DSCR loans are the workhorse for buy-and-hold investors here. The lender checks whether rent covers the mortgage — your personal income is irrelevant.
Fix-and-flip deals in smaller markets need a lender who understands rural comps. Not every hard money lender will go outside major metro areas.
Conventional investment loans cap at 10 financed properties and hit you with rate add-ons the moment you say 'rental.' Non-QM skips those limits.
Hard money is faster but more expensive. DSCR loans offer better rates and longer terms. The right call depends on your hold strategy.
Shasta Lake's proximity to Shasta Lake City and outdoor recreation creates demand for short-term rentals. Some DSCR lenders accept STR income — not all do.
Property values here are lower than coastal markets. That means smaller loan balances, which can affect which lenders bother competing for your deal.
Not on DSCR or most non-QM programs. Lenders qualify the property, not your W-2 or tax returns.
Some DSCR lenders allow it. You'll need documented STR income history, and not every lender accepts it — we'll match you to one that does.
Most investor loan programs require 20-25% down. Some hard money lenders go lower based on deal strength.
Hard money can close in 7-14 days in many cases. Timeline depends on title, appraisal, and lender review.
Yes, but lender selection matters. You need one comfortable with rural California comps — we know which ones are.
Non-QM portfolio lenders handle this regularly. They're built for investors holding multiple properties, unlike conventional programs.