Question 1

Do I need rental income history to qualify?

Accepted Answer

No. DSCR loans use projected rent from an appraisal, not your history. New investors qualify the same as experienced ones.

Question 2

Can I use an LLC to buy an investment property in Cloverdale?

Accepted Answer

Yes. Most non-QM investor lenders allow LLC vesting. Some require a personal guarantee from the principal.

Question 3

What loan types work for fix-and-flip in Cloverdale?

Accepted Answer

Hard money and bridge loans are the standard tools. They close fast and don't require stabilized rental income.

Question 4

How much down payment do investor loans require?

Accepted Answer

Most DSCR and non-QM investor loans require 20-25% down. Hard money deals may require more depending on ARV.

Question 5

Can short-term rental income count toward DSCR qualification?

Accepted Answer

Most lenders use long-term rental comps only. A few will use STR income with 12-24 months of documented history.

Investor Loans in Cloverdale, CA — Built for Real Deals