Santa Rosa is the Sonoma County seat and the largest city in the North Bay, stretching from historic Railroad Square and the McDonald Avenue mansions to the hillside neighborhoods of Fountaingrove and Bennett Valley. We help Santa Rosa buyers and homeowners with purchase loans, jumbo financing, refinances, reverse mortgages and equity lines. Investor loans in Santa Rosa come in many forms, from conventional investment property mortgages to DSCR loans that qualify on rent, and Pacific National Lending brokers all of them. Whether you are buying your first rental or your tenth, we match the financing to your portfolio strategy.
Call Pacific National Lending for investor loans in Santa Rosa: (916) 526-2700
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Santa Rosa is the North Bay's broadest market, with first-time buyers using FHA and conventional loans in the west and southwest, move-up families in Rincon Valley and Bennett Valley, and jumbo buyers in Fountaingrove and Skyhawk. After the 2017 fires many neighborhoods were rebuilt with brand-new homes, and wildfire insurance availability is now a standard part of qualifying on the city's eastern edge. Conventional investor loans in Santa Rosa 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 Victorians and bungalows near downtown and the Junior College, 1950s to 80s neighborhoods in Rincon Valley and Bennett Valley, rebuilt homes in Coffey Park and Fountaingrove, the Oakmont 55-plus community, and newer subdivisions in the southwest. Investors in Santa Rosa 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.
To discuss financing for a rental property in Santa Rosa, call (916) 526-2700 or apply online. We will review the deal, recommend the right program and give you a written quote.
Pacific National Lending serves Railroad Square, McDonald Avenue, Junior College, Bennett Valley and the rest of Santa Rosa for investor loans. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for investor loans in Santa Rosa.
Apply HereLearn more about the program itself: Investor Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "1020 McDonald Avenue, Santa Rosa" by Frank Schulenburg, CC BY-SA 3.0.
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