Question 1

Can I use rental income to qualify for an investor loan in Montague?

Accepted Answer

Yes, on DSCR loans the property's rent covers qualification. You don't need to show personal income at all.

Question 2

Will lenders finance a rural Siskiyou County investment property?

Accepted Answer

Some won't. You need wholesale or portfolio lenders with rural property appetite — that's where a broker with broad access helps.

Question 3

What credit score do I need for an investor loan?

Accepted Answer

Most non-QM investor programs want 660 or higher. Below that, hard money is often the only viable path.

Question 4

How much down payment is required on an investment property?

Accepted Answer

Plan for 20-25% down minimum. Some non-QM programs go to 75-80% LTV on rental properties.

Question 5

What loan options exist for fix-and-flip in Montague?

Accepted Answer

Hard money and bridge loans are the standard tools. Terms run 12-18 months with interest rates higher than long-term rentals.

Investor Loans in Montague, CA — Siskiyou County Real Estate Financing