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Montague sits in the Scott Valley area of Siskiyou County. Rural Northern California markets like this attract investors looking for lower entry prices than coastal metros.
Rental demand here is steady but thin. Investors need to underwrite carefully — vacancy risk is real in small markets.
660+ (most programs)
Min Credit Score
20-25%
Typical Down Payment
12-18 months
Hard Money Term
Not required
Income Docs (DSCR)
Vary by profile
Rates
Investor Loans in Montague
Investor loans are non-QM products. Lenders don't rely on your W-2 or tax returns — they look at the property's income potential or your asset base.
Most lenders want 20-25% down on investment properties. Credit scores below 660 will limit your program options significantly.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Montague.
Montague sits in the Scott Valley area of Siskiyou County. Rural Northern California markets like this attract investors looking for lower entry prices than coastal metros.
Rental demand here is steady but thin. Investors need to underwrite carefully — vacancy risk is real in small markets.
Investor loans are non-QM products. Lenders don't rely on your W-2 or tax returns — they look at the property's income potential or your asset base.
Most retail banks won't touch rural Siskiyou County investment deals. Portfolio lenders and wholesale non-QM shops are where these loans actually get done.
SRK CAPITAL works with 200+ wholesale lenders. That matters here — finding one that will lend on a rural California property takes real market access.
DSCR loans — debt service coverage ratio loans — are the cleanest fit for Montague rental investors. The lender checks if rent covers the mortgage, not your personal income.
Fix-and-flip deals in rural markets need hard money or bridge financing. Expect higher rates and short terms — 12 to 18 months is standard. Have your exit strategy locked before you close.
Conventional investment loans cap out at 10 financed properties and require full income documentation. Non-QM investor loans skip both of those walls.
Interest-only investor loans lower your monthly payment and improve cash flow math on thin-margin Siskiyou deals. They're worth pricing out alongside fully amortizing options.
Siskiyou County appraisers have limited comps to work with. Low appraisal values are a real risk — budget conservatively on your ARV when flipping.
Agriculture and seasonal work drive local employment. Tenant stability can vary. Factor that into your vacancy assumptions before you run numbers.
Yes, on DSCR loans the property's rent covers qualification. You don't need to show personal income at all.
Some won't. You need wholesale or portfolio lenders with rural property appetite — that's where a broker with broad access helps.
Most non-QM investor programs want 660 or higher. Below that, hard money is often the only viable path.
Plan for 20-25% down minimum. Some non-QM programs go to 75-80% LTV on rental properties.
Hard money and bridge loans are the standard tools. Terms run 12-18 months with interest rates higher than long-term rentals.