Question 1

What down payment do Sebastopol investor loans require?

Accepted Answer

Most lenders require 20-25% down. Higher leverage exists but triggers rate premiums and stricter qualification.

Question 2

Do DSCR loans work for vacation rentals in Sebastopol?

Accepted Answer

Yes, if you have valid city permits and 12+ months rental history. Lenders underwrite projected income conservatively.

Question 3

How fast can investor loans close in Sonoma County?

Accepted Answer

Hard money bridge loans fund in 7-10 days. DSCR rental loans take 21-30 days with clean documentation.

Question 4

What credit score do I need for investment property financing?

Accepted Answer

Most programs start at 660 credit. Scores above 680 avoid pricing adjustments and open more lender options.

Question 5

Can I use crypto assets for investor loan reserves?

Accepted Answer

Some non-QM lenders now accept verified crypto holdings as reserves. This helps when traditional liquidity doesn't fit your profile.

Question 6

Do Sebastopol fire zones affect investor loan approval?

Accepted Answer

Yes. Lenders require proof of fire insurance before commitment. High-risk zones face coverage challenges that can delay closing.

Investor Loans in Sebastopol — Financing for Sonoma County Rental Properties