LendyWendy is an AI-powered mortgage matching service that connects California homebuyers with top-rated local mortgage lenders. Our technology analyzes your financial profile and matches you with lenders offering the best rates for your specific situation.

Is LendyWendy free to use?

Yes, LendyWendy is 100% free for borrowers. We are compensated by lenders when a loan closes, so there's never any cost to you for using our matching service or AI advisor.

Will checking my mortgage options affect my credit score?

No. Using LendyWendy's AI advisor or Mortgage Readiness Score does not impact your credit score. We only perform a soft inquiry which has no effect on your credit.

What types of mortgages can I find through LendyWendy?

LendyWendy matches borrowers with lenders offering all major loan types including Conventional, FHA, VA, USDA, Jumbo, DSCR, fix-and-flip, commercial mortgages, and Non-QM loans for self-employed or non-traditional income borrowers.

How fast can I get pre-approved?

Most borrowers receive pre-qualification within 2 minutes using our AI advisor. Full pre-approval with a matched lender typically takes 24-48 hours after document submission.

Does LendyWendy serve all of California?

Yes, LendyWendy serves all California markets including Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Orange County, and every other city and county in the state.

What is a DSCR loan and who qualifies?

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies borrowers based on the property's rental income rather than personal income. Real estate investors qualify when the property's rental income covers at least 100% of the mortgage payment. No tax returns or employment verification required.

What credit score do I need for a California mortgage?

Credit score requirements vary by loan type: FHA loans accept 580+ (3.5% down) or 500-579 (10% down), Conventional loans require 620+, VA loans typically need 620+, and Jumbo loans usually require 700+. LendyWendy matches you with lenders who specialize in your credit profile.

How much down payment do I need to buy a house in California?

Down payment requirements depend on loan type: VA and USDA loans offer $0 down for eligible borrowers, FHA loans require 3.5% down, Conventional loans start at 3% down for first-time buyers, and Jumbo loans typically require 10-20% down. California down payment assistance programs may also be available.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate based on self-reported information and doesn't involve a credit check. Pre-approval is a formal commitment from a lender after reviewing your credit, income, and assets. Pre-approval letters make your offers more competitive in California's housing market.

Sacramento County

Sacramento Investment
Property Lenders

Find DSCR loans, fix-and-flip financing, and portfolio lenders in Sacramento. No tax returns required. Close in as few as 7 days.

Median Price

$475,000

YoY Change

+6.8%

Days on Market

Median Income

$72,000

Close in 14 days

No tax returns

Rates from 6.25%

Compare Sacramento Rates View Loan Programs

Sacramento Investment Property Market

Sacramento offers California living at more affordable prices, attracting remote workers and families priced out of the Bay Area. Strong job growth and revitalized downtown fuel demand.

Market Highlights

Most affordable major California metro
State capital with stable government jobs
Bay Area remote workers driving demand
First-time buyers can still compete

Popular Investment Areas

MidtownEast SacramentoLand ParkNatomasElk GroveFolsomRosevilleRocklin

Investor Opportunity

With +6.8% YoY appreciation and 22 average days on market,Sacramento offers strong potential for DSCR and fix-and-flip investors.

Investment Loan Options in Sacramento

LendyWendy matches Sacramento investors with lenders offering these programs

DSCR Loans

Qualify on rental income. No tax returns required for Sacramento investors.

Rates from 6.25% →

Fix & Flip

Fast funding for Sacramento acquisitions and rehab. Close in 7-14 days.

Up to 90% LTV →

Portfolio Loans

Finance 5-100+ Sacramento properties under one loan.

Single application →

Sacramento Investment Loan FAQs

What DSCR ratio do I need for investment property in Sacramento?

Most Sacramento DSCR lenders require a minimum ratio of 1.0, meaning the property's rental income covers 100% of the mortgage payment. Some lenders offer programs for 0.75 DSCR with higher rates. With Sacramento's median home price of $475,000, typical monthly rents need to be $3,325+ to qualify.

How fast can I close on an investment property in Sacramento?

DSCR loans in Sacramento typically close in 14-21 days. Fix-and-flip loans can close in as fast as 7-10 days with the right lender. LendyWendy matches you with Sacramento lenders who specialize in quick closings for time-sensitive deals.

What down payment is required for investment property in Sacramento?

Investment property loans in Sacramento typically require: DSCR loans 20-25% down, fix-and-flip loans 10-20% down (80-90% LTV), bridge loans 25% down, and portfolio loans vary. With Sacramento's $475,000 median price, expect $95,000 - $118,750 minimum.

Are there no-tax-return investment loans available in Sacramento?

Yes! DSCR loans in Sacramento qualify you based on the property's rental income, not your personal income. No tax returns, W-2s, or employment verification required. This is ideal for self-employed investors and those with complex tax situations.

Explore Other California Markets

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Ready to Invest in Sacramento?

Get matched with Sacramento investment property lenders in 60 seconds. DSCR, fix-and-flip, portfolio - we've got you covered.

Compare Sacramento Rates

Equal Housing Opportunity | No credit impact to get matched

Sacramento InvestmentProperty Lenders