Question 1

What is a DSCR loan and how does it work in Windsor?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders approve you based on property rent versus mortgage payment — not your W-2 or tax returns.

Question 2

Can I use short-term rental income to qualify?

Accepted Answer

Some lenders accept Airbnb or VRBO income — many don't. We know which wholesale lenders will count it for Windsor properties.

Question 3

How fast can I close on a fix-and-flip in Windsor?

Accepted Answer

Hard money loans can close in 5-10 business days. That speed matters when competing for distressed properties in a fast market.

Question 4

Do investor loans require owner-occupancy?

Accepted Answer

No. Investor loans are specifically structured for non-owner occupied properties. You don't live there — that's the whole point.

Question 5

How many investment properties can I finance at once?

Accepted Answer

Conventional loans cap you at 10. DSCR and portfolio loans through wholesale lenders often have no hard cap on property count.

Question 6

What credit score do I need for a Windsor investment property loan?

Accepted Answer

Most programs start at 620. Rates improve meaningfully above 700. Above 740 gets you the best pricing across most wholesale lenders.

Investor Loans in Windsor, CA — Built for Real Estate Investors