Question 1

Do I need to show my income for an investor loan in Shasta Lake?

Accepted Answer

Not on DSCR or most non-QM programs. Lenders qualify the property, not your W-2 or tax returns.

Question 2

Can I use short-term rental income to qualify?

Accepted Answer

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.

Question 3

What's the minimum down payment for a rental property here?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go lower based on deal strength.

Question 4

How fast can a hard money loan close in Shasta County?

Accepted Answer

Hard money can close in 7-14 days in many cases. Timeline depends on title, appraisal, and lender review.

Question 5

Will lenders finance a fix-and-flip in a smaller city like Shasta Lake?

Accepted Answer

Yes, but lender selection matters. You need one comfortable with rural California comps — we know which ones are.

Question 6

Can I finance multiple properties at once?

Accepted Answer

Non-QM portfolio lenders handle this regularly. They're built for investors holding multiple properties, unlike conventional programs.

Investor Loans in Shasta Lake, CA