Question 1

Can I use a DSCR loan for a Loyalton rental property?

Accepted Answer

Yes. DSCR lenders care about rent income, not your W-2. Rural properties are eligible as long as the appraised value and rent comps support the numbers.

Question 2

Will lenders finance a fix-and-flip in Sierra County?

Accepted Answer

Hard money lenders will. They focus on after-repair value and your exit plan. Expect higher rates and short loan terms — typically 12-18 months.

Question 3

How much down payment do investor loans require?

Accepted Answer

Most non-QM investor programs require 20-25% down. Rural properties sometimes require more depending on lender overlays.

Question 4

What credit score do I need for an investor loan here?

Accepted Answer

Most DSCR programs start at 620. Better pricing kicks in above 700. Hard money lenders are more flexible on credit.

Question 5

Are vacation rentals eligible for DSCR loans in Loyalton?

Accepted Answer

Some DSCR lenders accept short-term rental income using platforms like Airbnb. The lender needs documented income history or market rent estimates.

Question 6

Why should I use a broker instead of going direct to a lender?

Accepted Answer

Rural investor deals need lenders who understand thin markets. We shop across 200+ wholesale lenders to find ones who will actually close in Sierra County.

Investor Loans in Loyalton, CA — Sierra County Real Estate Financing