Question 1

Do I need to show personal income to qualify?

Accepted Answer

No. DSCR loans qualify based on the rental income the property generates. Your tax returns stay out of it.

Question 2

What credit score do investor loans require?

Accepted Answer

Most non-QM investor lenders start at 620-660. Higher scores get better rates. Rates vary by borrower profile and market conditions.

Question 3

Can I use a DSCR loan for a fix-and-flip in Winters?

Accepted Answer

DSCR works best on stabilized rentals. For flips, a hard money or bridge loan is the right tool first.

Question 4

How many properties can I finance with investor loans?

Accepted Answer

Non-QM investor loans have no hard cap on financed properties. Conventional loans stop at 10.

Question 5

Does agricultural zoning affect my loan in Yolo County?

Accepted Answer

It can. Some lenders won't finance properties with ag zoning or mixed land use. Confirm zoning before you apply.

Investor Loans in Winters, CA — Built for Deals, Not W-2s