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Fairfield sits between Sacramento and the Bay Area. That corridor creates real rental demand — and real opportunity for investors.
Travis Air Force Base drives steady tenant flow. Military renters need housing, and investors who get there first hold strong.
660+
Min Credit Score
20–25%
Down Payment
No
Income Docs Required
Days, Not Weeks
Hard Money Close
Investor Loans in Fairfield
Investor loans are Non-QM — lenders skip the standard income docs. Your property's cash flow does the heavy lifting instead.
Most lenders want a 660+ credit score and 20-25% down. Strong reserves help, especially on multi-unit or portfolio deals.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfield.
Fairfield sits between Sacramento and the Bay Area. That corridor creates real rental demand — and real opportunity for investors.
Travis Air Force Base drives steady tenant flow. Military renters need housing, and investors who get there first hold strong.
Investor loans are Non-QM — lenders skip the standard income docs. Your property's cash flow does the heavy lifting instead.
Retail banks rarely touch investor loans the right way. Underwriting is slow and program options are thin.
We work with 200+ wholesale lenders — including specialists who move fast on DSCR, bridge, and fix-and-flip deals in Solano County.
DSCR loans are the workhorse here. The property's rent covers the debt — your personal income stays out of it.
Fix-and-flip buyers need hard money or bridge loans. Speed wins on distressed deals. Close in days, not weeks.
Conventional investment loans cap at 10 financed properties. Investor loan programs don't carry that ceiling.
Rates run higher than primary residence loans. But the structure — no income docs, fast close — is worth it for active investors. Rates vary by borrower profile and market conditions.
Fairfield's rent-to-price ratios can work in an investor's favor. Lower entry prices than Bay Area markets help DSCR pencil out.
Solano County is seeing infrastructure investment tied to growth along the I-80 corridor. That keeps long-term demand solid.
DSCR stands for Debt Service Coverage Ratio. Lenders check if the rent covers the mortgage — your income isn't the qualifier.
Yes. Investor loans are Non-QM, so lenders use the property's cash flow instead of your personal income docs.
Hard money and bridge loans can close in days. That speed matters when you're competing on distressed or off-market deals.
Most programs require 20-25% down. Some portfolio lenders go lower for strong borrowers with solid reserves.
Yes. Investor loan programs don't carry the 10-property cap that conventional Fannie Mae loans impose.