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Dunsmuir is a small mountain town in Siskiyou County with a tight housing stock and steady rental demand.
Outdoor tourism drives occupancy here. Investors targeting short-term rentals or long-term holds both find opportunity in this market.
620+
Min Credit Score
20-25%
Down Payment
1.0x
Min DSCR Ratio
2-3 Weeks
Typical Close Time
6 Months
Reserves Required
Investor Loans in Dunsmuir
Investor loans are non-QM products. That means lenders skip your W-2 and qualify you on property cash flow instead.
Most lenders want a 620+ credit score, 20-25% down, and reserves of 6 months or more. DSCR ratio of 1.0 or higher is the target.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Dunsmuir.
Dunsmuir is a small mountain town in Siskiyou County with a tight housing stock and steady rental demand.
Outdoor tourism drives occupancy here. Investors targeting short-term rentals or long-term holds both find opportunity in this market.
Investor loans are non-QM products. That means lenders skip your W-2 and qualify you on property cash flow instead.
Big retail banks rarely touch investor loans in rural markets like Dunsmuir. Wholesale lenders are where these deals get done.
At SRK CAPITAL, we shop 200+ wholesale lenders. Rural properties need lenders who understand non-metro valuations and appraisal gaps.
Dunsmuir properties can appraise short. Build that buffer into your offer price before you commit to a loan amount.
Short-term rental income doesn't always count at full value. Some lenders use a vacancy factor. Know this before you run your DSCR numbers.
DSCR loans are the cleanest fit for buy-and-hold rentals. Hard money works for fix-and-flip but carries higher rates and short terms.
Bridge loans cover the gap between purchase and stabilization. Interest-only options lower your monthly payment during renovation or lease-up.
Siskiyou County sits far from major metros. Lenders flag rural zip codes and sometimes require larger down payments as a result.
Dunsmuir's appeal to hikers, anglers, and Mount Shasta visitors makes it viable for short-term rental strategies. Know local STR regulations before you buy.
Yes. DSCR loans qualify you on the property's rent, not your personal income. The property needs to cover its own debt service.
Yes. Rural designations can trigger larger down payment requirements. We know which lenders are comfortable with Siskiyou County properties.
Most non-QM investor lenders start at 620. Better pricing kicks in above 700. Rates vary by borrower profile and market conditions.
Some lenders will use Airbnb or VRBO income history for DSCR calculations. Verify local STR regulations before closing.
DSCR and hard money loans can close in 2-3 weeks. Rural appraisals can add time. Plan ahead on your contract deadlines.