Truckee is a mountain town on I-80 just north of Lake Tahoe, where year-round residents, second-home owners and short-term rental investors all compete for homes in Tahoe Donner, Glenshire and the historic downtown. We help Truckee buyers and homeowners with jumbo, second-home and investment property financing. Financing an investment property in Truckee 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 Truckee: (916) 526-2700
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Truckee is a high-priced resort market where most purchases are jumbo loans and a large share are second homes or investment properties, each with its own down payment and qualifying rules. Buyers often need financing that accounts for HOA dues, mountain insurance costs and short-term rental income. Conventional investor loans in Truckee 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 mountain homes and cabins in Tahoe Donner, family neighborhoods in Glenshire and Prosser Lakeview, lakefront and near-lake homes at Donner Lake, condos near downtown, and luxury homes in Gray's Crossing, Old Greenwood and the Martis Valley communities. Investors in Truckee 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.
Investors buying 2-to-4-unit properties in Truckee can sometimes use an owner-occupied FHA or conventional loan with a low down payment if they live in one unit, then move on to the next property after a year. It is one of the most effective ways to start a portfolio.
Pacific National Lending serves Tahoe Donner, Glenshire, Donner Lake, Downtown Truckee and the rest of Truckee for investor loans. Truckee is about two hours from our Gold River office, and we handle Truckee loans entirely by phone, email and e-signature.
For investor loans in Truckee, 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.
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