Question 1

What is a DSCR loan and how does it work in Fairfield?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders check if the rent covers the mortgage — your income isn't the qualifier.

Question 2

Can I buy a Fairfield rental property without showing tax returns?

Accepted Answer

Yes. Investor loans are Non-QM, so lenders use the property's cash flow instead of your personal income docs.

Question 3

How fast can I close on a fix-and-flip in Solano County?

Accepted Answer

Hard money and bridge loans can close in days. That speed matters when you're competing on distressed or off-market deals.

Question 4

What down payment do investor loans require in California?

Accepted Answer

Most programs require 20-25% down. Some portfolio lenders go lower for strong borrowers with solid reserves.

Question 5

Can I finance multiple rentals at once with investor loans?

Accepted Answer

Yes. Investor loan programs don't carry the 10-property cap that conventional Fannie Mae loans impose.

Investor Loans in Fairfield, CA — Built for Real Deals