Richmond wraps around thirty-two miles of San Francisco Bay shoreline in west Contra Costa County, with BART, a ferry to San Francisco and neighborhoods as different as historic Point Richmond and the waterfront homes of Marina Bay. We help Richmond buyers, homeowners and investors with FHA, VA, conventional and jumbo financing. Financing an investment property in Richmond is different from financing a home you live in, with larger down payments, different rates and lender rules about how many properties you can finance. Pacific National Lending navigates those rules so investors can keep growing.
Call Pacific National Lending for investor loans in Richmond: (916) 526-2700
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Richmond remains one of the most affordable places to buy near the center of the Bay Area, so it draws first-time buyers using FHA and low-down-payment conventional loans, along with investors buying two-to-four-unit properties. Many homes date from the 1920s through the 1940s, which makes property condition, appraisal repairs and renovation-friendly financing common topics. Conventional investor loans in Richmond typically require 15 to 25 percent down depending on the property type, and Fannie Mae limits a borrower to ten financed properties. Rental income from the new property can help you qualify, and rates run somewhat higher than owner-occupied loans.
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Housing includes early-1900s homes in Point Richmond, 1920s to 40s bungalows in the North and East neighborhood and the Richmond Annex, condos and townhomes at Marina Bay and Brickyard Cove, and 1970s and 80s homes around Hilltop. Investors in Richmond often use a cash-out refinance on an existing rental to fund the down payment on the next one. We help sequence those transactions so the timing, the loan limits and the debt ratios all work together.
Many Richmond investors hold rentals in an LLC. Conventional loans require individual vesting, while DSCR and portfolio loans usually allow LLC ownership, and we structure the loan to fit how you hold title.
We help borrowers with investor loans throughout Richmond, including Point Richmond, Marina Bay, Richmond Annex, North and East, and across west Contra Costa County. Richmond is about an hour and a half from our Gold River office via I-80.
For investor loans in Richmond, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Investor Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
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