Question 1

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

Accepted Answer

Yes — DSCR loans qualify you based on the property's rental income, not your personal income. The property's rent needs to cover the mortgage payment.

Question 2

How much down payment do investor loans require?

Accepted Answer

Most investor loan programs require 20-25% down. Some fix-and-flip lenders go higher, depending on the project scope.

Question 3

Do investor loans in Visalia require an appraisal?

Accepted Answer

Yes. Lenders order an appraisal to confirm value and, on DSCR loans, to establish market rent. Both numbers affect your approval.

Question 4

Can I buy a multi-unit property with a DSCR loan?

Accepted Answer

Yes — DSCR loans work on 1-4 unit properties and some lenders go up to 8-10 units. The whole property's rent rolls into your coverage ratio.

Question 5

What credit score do I need for an investor loan in Visalia?

Accepted Answer

Most investor loan programs start at 680. A stronger score gets you better pricing. Rates vary by borrower profile and market conditions.

Question 6

How fast can an investor loan close in Visalia?

Accepted Answer

DSCR loans typically close in 21-30 days. Hard money or bridge loans can close in 7-14 days when the deal is clean.

Investor Loans in Visalia, CA — Built for the Central Valley