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.

Santa Clara County

San Jose Investment
Property Lenders

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

Median Price

$1,450,000

YoY Change

+3.5%

Days on Market

Median Income

$142,000

Close in 14 days

No tax returns

Rates from 6.25%

Compare San Jose Rates View Loan Programs

San Jose Investment Property Market

San Jose sits at the heart of Silicon Valley with the highest median household income in America. Tech employment drives intense housing demand and rapid appreciation.

Market Highlights

Silicon Valley headquarters - Apple, Google, Meta nearby
Highest incomes drive purchasing power
Very competitive market with multiple offers
Super jumbo loans often required

Popular Investment Areas

Willow GlenAlmaden ValleyEvergreenCambrianSanta ClaraSunnyvaleCupertinoPalo Alto

Investor Opportunity

With +3.5% YoY appreciation and 18 average days on market,San Jose offers strong potential for DSCR and fix-and-flip investors.

Investment Loan Options in San Jose

LendyWendy matches San Jose investors with lenders offering these programs

DSCR Loans

Qualify on rental income. No tax returns required for San Jose investors.

Rates from 6.25% →

Fix & Flip

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

Up to 90% LTV →

Portfolio Loans

Finance 5-100+ San Jose properties under one loan.

Single application →

San Jose Investment Loan FAQs

What DSCR ratio do I need for investment property in San Jose?

Most San Jose 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 San Jose's median home price of $1,450,000, typical monthly rents need to be $10,150+ to qualify.

How fast can I close on an investment property in San Jose?

DSCR loans in San Jose 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 San Jose lenders who specialize in quick closings for time-sensitive deals.

What down payment is required for investment property in San Jose?

Investment property loans in San Jose 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 San Jose's $1,450,000 median price, expect $290,000 - $362,500 minimum.

Are there no-tax-return investment loans available in San Jose?

Yes! DSCR loans in San Jose 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 San Jose?

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

Compare San Jose Rates

Equal Housing Opportunity | No credit impact to get matched

San Jose InvestmentProperty Lenders