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Fillmore sits in the Santa Clara River Valley, a quieter corner of Ventura County with lower entry prices than coastal cities.
That price gap attracts investors who want cashflow potential without competing in Oxnard or Ventura's crowded markets.
620+
Min Credit Score
20–25%
Down Payment
Not required (DSCR)
Income Docs
Fixed & ARM options
Rate Type
15–30 days typical
Close Timeline
Investor Loans in Fillmore
Most investor loans here run as non-QM products. Lenders skip your tax returns and focus on the property's income potential.
DSCR loans — Debt Service Coverage Ratio — are the most common fit. The property's rent needs to cover its monthly payment.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Fillmore.
Fillmore sits in the Santa Clara River Valley, a quieter corner of Ventura County with lower entry prices than coastal cities.
That price gap attracts investors who want cashflow potential without competing in Oxnard or Ventura's crowded markets.
Most investor loans here run as non-QM products. Lenders skip your tax returns and focus on the property's income potential.
Retail banks rarely compete on investor loans. Their overlays are tight and their appetite for non-owner-occupied deals is low.
Wholesale lenders are where the real programs live. We work with 200+ of them — many specialize exclusively in investor financing.
Fillmore properties can be harder to appraise. Thin comps mean lenders lean harder on the appraiser's judgment.
Pick lenders with experience in smaller Ventura County markets. A lender who only does LA deals may misprice the risk.
DSCR loans are best for buy-and-hold rentals. Hard money is faster but costs more — better for short-term flips.
Bridge loans work when you're buying before selling. Interest-only loans stretch cashflow during lease-up periods.
Fillmore is a small agricultural city. Rental demand ties to local employment, including farming and nearby commuters.
As of April 2026, Ventura County remains a high-cost area. Investor loan limits and down payment requirements reflect that.
Not on DSCR or most non-QM programs. The property's rent income qualifies the loan — not your tax returns.
Most programs start at 620. Better rates kick in at 680 and above. Rates vary by borrower profile and market conditions.
No. DSCR loans require a stabilized, rent-producing property. Flips need hard money or a bridge loan instead.
Plan for 20-25% down on most investor programs. Some hard money lenders go lower but charge higher rates.
Yes. DSCR loans work on 1-4 unit properties. Larger portfolios may need commercial or portfolio lender products.