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Vacaville sits between Sacramento and the Bay Area. That corridor draws investors chasing cash flow that Bay Area prices killed years ago.
Solano County rentals attract commuters priced out of bigger markets. That tenant base keeps vacancy low and rents stable.
640-660
Min Credit Score
20-25%
Min Down Payment
Allowed
LLC Vesting
Under 2 Weeks
Hard Money Close
Fixed & ARM Options
Rate Type
Investor Loans in Vacaville
Investor loans don't follow Fannie Mae rules. Lenders care about the property's income, not your W-2.
Most programs want 20-25% down. Credit scores below 660 will cost you in rate — plan for that upfront.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. That corridor draws investors chasing cash flow that Bay Area prices killed years ago.
Solano County rentals attract commuters priced out of bigger markets. That tenant base keeps vacancy low and rents stable.
Investor loans don't follow Fannie Mae rules. Lenders care about the property's income, not your W-2.
Big banks rarely touch investor deals with more than four financed properties. Wholesale lenders built for this space do it all day.
We work with 200+ wholesale lenders. For Vacaville investors, that means real options — DSCR, bridge, fix-and-flip, and portfolio loans.
DSCR loans (debt service coverage ratio) are the workhorse here. If the rent covers the mortgage, the loan pencils out.
Fix-and-flip buyers need speed. Hard money closes in days, not weeks. Use it to buy, then refinance into a DSCR once the property is stabilized.
Conventional loans cap at 10 financed properties and require full income docs. DSCR loans have no cap and skip the tax return entirely.
Hard money costs more but moves faster. Bridge loans fill gaps between purchase and long-term financing. Each tool has a specific job — pick the right one.
Vacaville has a mix of single-family rentals and small multifamily. Both asset types work well with DSCR and portfolio loan structures.
Travis Air Force Base creates steady military tenant demand. That occupancy stability matters when lenders evaluate rental income projections.
Yes — DSCR loans qualify based on the property's rent, not your personal income. If rent covers the mortgage, most lenders will approve it.
Most investor programs require 20-25% down. Some bridge or hard money lenders go higher depending on the deal.
Most investor and DSCR lenders allow LLC vesting. This is one of the main advantages over conventional financing.
Hard money can close in under two weeks. DSCR loans typically close in 21-30 days depending on the lender.
Most DSCR lenders want a 660 minimum. Below that, rates rise sharply — some lenders won't approve below 640.
Hard money and bridge loans are built for flips. After renovation, refinance into a DSCR loan to hold or sell.