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Investor Loans in Suisun City
Suisun City sits between Sacramento and the Bay Area, making it a cash flow play for investors targeting renters priced out of nearby markets. You're buying affordability proximity, not appreciation fireworks.
Most investor loans here finance single-family rentals and small multifamily properties. Fix-and-flip deals happen, but the bread-and-butter is buy-and-hold rental income that covers the mortgage plus 25%.
Conventional lenders want W-2s and tax returns showing income you're not reporting because of depreciation. Investor loans ignore your tax returns and qualify you on the property's rental income instead.
DSCR loans require the property's rental income to cover 100-125% of the mortgage payment. Credit score minimums start at 620, but you'll see better rates at 680+.
Expect 20-25% down for single-family rentals. Hard money and bridge loans go as low as 15% down but carry higher rates and shorter terms, usually 12-24 months.
No income verification, no tax returns, no W-2s. Lenders order an appraisal with a rent schedule to determine if the property cash flows enough to support the loan.
Most investor loans come from non-QM wholesale lenders, not the banks advertising on TV. We shop 200+ wholesale sources to find programs that match your property type and exit strategy.
Hard money lenders move fast on fix-and-flip deals but charge 9-12% with points. DSCR lenders take 3-4 weeks but offer 30-year terms at conventional-adjacent rates.
Bridge loans work when you need quick closes or the property needs too much rehab for traditional financing. You refinance into permanent DSCR or conventional once repairs are done.
Run your DSCR calculation before you make an offer. Take the monthly market rent, divide by your estimated mortgage payment including taxes and insurance. Under 1.0 means you're feeding the property every month.
Suisun City rentals should hit 1.1-1.25 DSCR minimum to pencil. Anything below that only works if you're betting on appreciation or plan to raise rents significantly after improvements.
Interest-only payments drop your DSCR requirement and boost cash flow short-term, but you're not paying down principal. Works for flips and short holds, risky for buy-and-hold unless rents are climbing fast.
DSCR loans beat conventional if you can't show enough taxable income or you're buying your 5th+ property. Conventional maxes out at 10 financed properties and requires full income documentation.
Hard money costs 3-5x more than DSCR but closes in days instead of weeks. Use it when speed matters more than rate, then refinance into cheaper long-term financing once the deal stabilizes.
Portfolio loans let you finance multiple properties under one loan, but most lenders want 4+ units minimum. Bridge loans fill the gap when you're buying property number two or three.
Suisun City doesn't have rent control, which matters for your DSCR projections. You can raise rents to market without city approval, but your lender underwrites to current market rent, not your optimistic year-two number.
Travis Air Force Base drives steady rental demand from military and contractors. That's a diversified tenant pool compared to single-employer towns, but it also means tenants turn over every 2-3 years.
Property taxes in Solano County run about 1.1-1.2% of purchase price. Factor this into your DSCR calculation because lenders include taxes and insurance in the denominator when calculating debt service coverage.
Most lenders require 1.0-1.25 DSCR, meaning rent covers 100-125% of your mortgage payment. Higher ratios unlock better rates and lower down payments.
Lenders use current market rent from the appraisal rent schedule. Your plans to renovate and raise rents don't count for qualification purposes.
Expect 20-25% down for DSCR loans on single-family rentals. Hard money can go as low as 15% but costs significantly more in rate and fees.
No. These loans qualify based on the property's rental income, not your personal tax returns or employment. That's the entire point for investors with depreciation write-offs.
DSCR offers 30-year terms at lower rates but takes 3-4 weeks to close. Hard money closes in days at 9-12% rates, designed for flips or bridge financing.
Yes, using hard money or bridge loans. You'll refinance into permanent DSCR or conventional financing after repairs are complete and the property is rent-ready.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.