Question 1

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

Accepted Answer

Yes — DSCR loans qualify you based on the property's rent, not your income. The rent must typically cover 1.0–1.1x the monthly mortgage payment.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders require a 660 minimum. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 3

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

Accepted Answer

Hard money loans can close in 5–10 business days. That speed matters when you're competing for distressed properties.

Question 4

Do investor loans in Oxnard require a large down payment?

Accepted Answer

Expect 20–25% down on most investment property loans. Some hard money lenders go higher based on ARV — after-repair value.

Question 5

Can I finance a short-term rental property in Oxnard?

Accepted Answer

Some DSCR lenders allow STR income to qualify. Verify local zoning first — Oxnard's coastal rules can restrict short-term rental operations.

Question 6

How many investment properties can I finance at once?

Accepted Answer

DSCR loans don't cap you at 10 properties like conventional loans do. Portfolio investors use this to scale without hitting agency limits.

Investor Loans in Oxnard, CA — Built for Real Estate ROI