Question 1

Can I use rental income to qualify in Porterville?

Accepted Answer

Yes — DSCR loans qualify you on the property's rent, not your W-2. You need a DSCR ratio at or above 1.0 in most programs.

Question 2

What credit score do I need for an investor loan?

Accepted Answer

Most DSCR lenders want 620 or higher. Hard money programs can go lower but expect a higher rate and bigger down payment.

Question 3

How much do I need to put down in Tulare County?

Accepted Answer

Plan for 20–25% down on most investor loans. Some hard money deals require more depending on the asset and exit strategy.

Question 4

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

Accepted Answer

Hard money loans can close in 7–14 days when the file is clean. DSCR loans typically take 21–30 days.

Question 5

Does SRK CAPITAL work with out-of-state investors?

Accepted Answer

Yes. We're California-licensed brokers and handle investor deals remotely all the time. We just need your deal details and entity docs.

Question 6

What loan types work for a Porterville rental portfolio?

Accepted Answer

DSCR is the go-to for portfolio growth. Once you have multiple properties, blanket loans can consolidate them under one program.

Investor Loans in Porterville, CA — Built for Rentals & Flips