Question 1

Can I use rental income to qualify for an investor loan in Turlock?

Accepted Answer

Yes — DSCR loans qualify you based on the property's rent income. Your personal tax returns don't factor in.

Question 2

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

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go higher but move faster.

Question 3

Can I get an investor loan for a fix-and-flip in Turlock?

Accepted Answer

Hard money and bridge loans are built for flips. They close fast and fund based on the after-repair value.

Question 4

What credit score do I need for a Turlock investor loan?

Accepted Answer

Most non-QM investor programs want 660 or higher. Hard money lenders are more flexible but charge more.

Question 5

How many investment properties can I finance at once?

Accepted Answer

Non-QM investor loans don't cap you at 10 properties like conventional loans do. Portfolio investors use them for that reason.

Question 6

Are investor loan rates higher than primary home rates?

Accepted Answer

Yes — investor loans carry higher rates than owner-occupied financing. Rates vary by borrower profile and market conditions.

Investor Loans in Turlock, CA — Built for Real Deals