Question 1

What down payment do I need for an investor loan in Weed?

Accepted Answer

Most programs require 15-25% down. First-time investors pay more than experienced landlords with existing rental portfolios.

Question 2

Do lenders accept short-term rental income in Weed?

Accepted Answer

Some do, but many discount it heavily. DSCR lenders focus on actual rental deposits, not projected Airbnb income you haven't collected yet.

Question 3

Can I use an investor loan for a fix-and-flip property?

Accepted Answer

Yes, hard money loans work best for flips. They close in days and allow renovation draws, but expect higher rates and 6-12 month terms.

Question 4

How does seasonal occupancy affect my loan approval?

Accepted Answer

Lenders average rental income across 12 months. Strong summer bookings won't offset zero winter occupancy unless you show multi-year history.

Question 5

What credit score do I need for investor financing?

Accepted Answer

Most programs start at 680. Some non-QM lenders go to 640 if property cash flow is strong and you're putting 25%+ down.

Question 6

Can I finance multiple properties at once in Siskiyou County?

Accepted Answer

Yes, but lenders cap total financed properties at 4-10 depending on the program. Portfolio lenders offer higher limits for experienced investors.

Investor Loans in Weed: Financing for Northern California Real Estate Portfolios