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Dixon sits in Solano County, positioned between Sacramento and the Bay Area. That corridor drives consistent rental demand from commuters and ag-sector workers.
Smaller markets like Dixon often get overlooked by big lenders. That creates real opportunity for investors who move before prices catch up.
680+
Min Credit Score
20-25%
Min Down Payment
Property Cash Flow
Income Verification
21-30 Days
Typical Close Time
1.0 or Higher
DSCR Target
Investor Loans in Dixon
Investor loans are non-QM products. Lenders qualify you on the property's income potential, not your W-2 or tax returns.
Most DSCR programs want a debt-service coverage ratio above 1.0. That means the rent covers the mortgage payment. Better ratios get better rates.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County, positioned between Sacramento and the Bay Area. That corridor drives consistent rental demand from commuters and ag-sector workers.
Smaller markets like Dixon often get overlooked by big lenders. That creates real opportunity for investors who move before prices catch up.
Investor loans are non-QM products. Lenders qualify you on the property's income potential, not your W-2 or tax returns.
Most banks won't touch investor properties beyond four units. Wholesale lenders built for non-QM fill that gap — and they price aggressively.
We work with 200+ wholesale lenders. Investor loan programs vary widely. Rate, prepay penalty, and reserve requirements all shift by lender.
The biggest mistake investors make is shopping rate only. Prepayment penalties on DSCR loans can run 3-5 years. That matters if your exit is a flip or refinance.
Short-term rentals like Airbnb need a lender that allows STR income in the DSCR calc. Not all do. Confirm that before you lock anything.
DSCR loans are the workhorse for buy-and-hold investors. Hard money works when speed matters — close in days, not weeks, but expect higher rates.
Bridge loans fill the gap between purchase and stabilization. If the property needs work before it cash flows, a bridge-to-DSCR structure is worth pricing out.
Dixon's rental market is shaped by proximity to UC Davis, Travis Air Force Base, and I-80 commuters. Those three tenant pools give landlords real stability.
Solano County property taxes run at California's standard Prop 13 base rate. Factor that into your DSCR calc before assuming a deal pencils.
Yes. Most non-QM and DSCR lenders allow LLC vesting. Confirm with the lender upfront — some require personal guarantees.
Most DSCR programs start at 680. Stronger scores get better pricing. Rates vary by borrower profile and market conditions.
Some do, some don't. STR-friendly lenders may use platforms like Airbnb income history. Not all programs allow it — confirm before applying.
Expect 20-25% down on most DSCR and non-QM products. Some programs allow 15% with stronger credit and reserves.
DSCR stands for debt-service coverage ratio. The lender divides the property's rental income by the mortgage payment to confirm it cash flows.
Yes. Non-QM lenders routinely allow 10+ financed properties. Portfolio lending structures work well for investors scaling up.