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Suisun City sits in Solano County — one of the Bay Area's most accessible entry points for real estate investors. Lower price points than Marin or Contra Costa make it worth a serious look.
The I-80 corridor and proximity to Travis Air Force Base create steady rental demand. That kind of tenant base is exactly what DSCR lenders want to see when underwriting a deal.
660+
Min Credit Score
20–25%
Down Payment
None (DSCR)
Income Docs Required
Non-QM
Loan Type
Typically 12 mo.
Hard Money Terms
Investor Loans in Suisun City
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income potential instead.
Most DSCR lenders want a credit score of 660 or higher and a down payment of 20-25%. The property's rent-to-mortgage ratio needs to hit at least 1.0 to 1.25, depending on the lender.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County — one of the Bay Area's most accessible entry points for real estate investors. Lower price points than Marin or Contra Costa make it worth a serious look.
The I-80 corridor and proximity to Travis Air Force Base create steady rental demand. That kind of tenant base is exactly what DSCR lenders want to see when underwriting a deal.
Investor loans are non-QM products. Lenders don't use your W-2 or tax returns to qualify you — they look at the property's income potential instead.
Retail banks rarely touch investor loans — especially DSCR and interest-only products. Wholesale lenders built specifically for non-QM deals are where the real options live.
At SRK CAPITAL, we access 200+ wholesale lenders. That means we can shop your deal across programs most borrowers never see at a local bank or credit union.
The mistake I see most often: investors assume one lender's 'no' means the deal is dead. DSCR guidelines vary significantly from lender to lender. One shop may require 1.25 DSCR — another approves at 1.0.
Fix-and-flip projects in Suisun City may fit better under a hard money or bridge loan. Stabilized rentals are a cleaner fit for DSCR. Matching the loan type to the exit strategy matters more than chasing the lowest rate.
DSCR loans are the cleanest option for buy-and-hold investors. You qualify on rent income alone. Hard money is faster but comes with higher rates and short terms — usually 12 months.
Bridge loans work when you're transitioning a property between uses or waiting on a refinance. Interest-only products lower your monthly payment but don't build equity. Each tool has a specific job.
Suisun City's waterfront district and proximity to Fairfield give investors two distinct rental pools — local workers and military families from Travis AFB. That diversity helps stabilize occupancy.
Solano County's relatively affordable prices compared to other Bay Area counties mean cash-on-cash returns can pencil out where they wouldn't in San Francisco or Oakland. Rates vary by borrower profile and market conditions.
No. DSCR loans qualify based on the property's rental income. Your W-2 or tax returns aren't part of the equation.
Most DSCR lenders require 660 or higher. Some programs go lower, but expect worse rates below that threshold.
DSCR is built for stabilized rentals. Fix-and-flip projects fit better under hard money or bridge loan programs.
Plan for 20-25% down on most investor loan programs. Some lenders allow less for strong borrowers with high-performing properties.
We shop your deal across 200+ wholesale lenders. One lender's guidelines may kill a deal another lender approves easily.
DSCR — debt service coverage ratio — compares the property's rent to its mortgage payment. Most lenders require 1.0 to 1.25 or higher.