Question 1

Can I use crypto holdings to qualify for an investor loan?

Accepted Answer

Yes, some non-QM lenders now accept verified cryptocurrency assets as reserves for investment property purchases. We shop lenders who offer this option and structure deals accordingly.

Question 2

How much rental income do I need to qualify for DSCR loans?

Accepted Answer

Rent must cover 100-125% of the mortgage payment depending on the lender. We use market rent appraisals to establish income, not actual lease agreements.

Question 3

Do I need landlord experience to get investor financing?

Accepted Answer

No, but first-time investors typically need larger down payments and stronger reserves. Experienced landlords with existing portfolios qualify for better terms across most lender programs.

Question 4

What's the fastest way to close on a fix-and-flip property?

Accepted Answer

Hard money lenders close in 10-14 days with minimal documentation. You'll pay higher rates short-term but gain speed and flexibility conventional loans can't match.

Question 5

Can I finance multiple Red Bluff properties at once?

Accepted Answer

Yes, DSCR loans evaluate each property independently based on its cash flow. You can build a portfolio without hitting personal debt-to-income limits that cap conventional mortgages.

Investor Loans in Red Bluff: Financing Rental Properties & Fix-and-Flip Deals