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Yreka is a small Siskiyou County town with low price points and limited housing inventory. That combination creates real opportunity for investors who know how to read a thin market.
Rental demand here is steady — driven by local workers, county employees, and service industry tenants. Buy-and-hold strategies tend to perform better than quick flips in this market.
680+
Min Credit Score
20-25%
Down Payment
7-14 Days
Hard Money Close
Not Required
Income Docs (DSCR)
Profile & Market
Rates Vary By
Investor Loans in Yreka
Investor loans are non-QM — they don't follow Fannie Mae rules. Lenders care more about the property's income potential than your personal tax returns.
Most programs want a 680+ credit score and 20-25% down. DSCR loans — Debt Service Coverage Ratio — qualify you based on rental income covering the mortgage, not your W-2.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Yreka.
Yreka is a small Siskiyou County town with low price points and limited housing inventory. That combination creates real opportunity for investors who know how to read a thin market.
Rental demand here is steady — driven by local workers, county employees, and service industry tenants. Buy-and-hold strategies tend to perform better than quick flips in this market.
Investor loans are non-QM — they don't follow Fannie Mae rules. Lenders care more about the property's income potential than your personal tax returns.
Most retail banks won't touch non-QM investor loans. You need wholesale lenders who specialize in DSCR, bridge, and hard money products.
At SRK CAPITAL, we work with 200+ wholesale lenders. That matters in a rural county like Siskiyou — not every lender will underwrite properties here.
Yreka properties can appraise low. That's the biggest underwriting hurdle we see — not credit, not cash flow. Comp density is thin in rural markets.
Use a lender familiar with Siskiyou County comps. A bad appraisal can kill your deal. We know which lenders accept broader comparable search radii.
DSCR loans are the cleanest option for rental investors — no income docs, no employment verification. Hard money moves faster but costs more.
Bridge loans work if you're repositioning a distressed property. Interest-only loans lower your monthly payment while you stabilize the asset.
Siskiyou County is rural and lender-restrictive. Some wholesale lenders flag small counties as non-warrantable zones — limiting your program options.
That's why lender selection matters more here than in a city. As of April 2026, we're actively placing investor loans in rural Northern California markets like Yreka.
Yes — DSCR loans qualify you on the property's rent, not your income. The rent needs to cover the mortgage payment, typically at a 1.0x ratio or higher.
Some do. Rural counties can face appraisal and lender restrictions. Working with a broker who has wide wholesale access solves most of those problems.
Expect 20-25% down on most investor loan programs. Some hard money lenders go lower, but rates will be higher.
Most DSCR lenders want a 680 minimum. Higher scores get better rates. Rates vary by borrower profile and market conditions.
Yes — hard money and bridge loans both work for fix-and-flip. Expect short terms of 6-18 months and higher rates than long-term rental products.
Hard money can close in 7-14 days. DSCR loans typically take 21-30 days. Timeline depends on the lender and appraisal scheduling.