Question 1

Do I need to show personal income to qualify for an investor loan in Suisun City?

Accepted Answer

No. DSCR loans qualify based on the property's rental income. Your W-2 or tax returns aren't part of the equation.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders require 660 or higher. Some programs go lower, but expect worse rates below that threshold.

Question 3

Can I use a DSCR loan for a fix-and-flip in Suisun City?

Accepted Answer

DSCR is built for stabilized rentals. Fix-and-flip projects fit better under hard money or bridge loan programs.

Question 4

How much do I need to put down on an investment property?

Accepted Answer

Plan for 20-25% down on most investor loan programs. Some lenders allow less for strong borrowers with high-performing properties.

Question 5

Why use a broker instead of going directly to a lender?

Accepted Answer

We shop your deal across 200+ wholesale lenders. One lender's guidelines may kill a deal another lender approves easily.

Question 6

What is a DSCR ratio and why does it matter?

Accepted Answer

DSCR — debt service coverage ratio — compares the property's rent to its mortgage payment. Most lenders require 1.0 to 1.25 or higher.

Investor Loans in Suisun City, CA