Berkeley is the university city on the east shore of San Francisco Bay, famous for the UC Berkeley campus and for streets of brown-shingle and Craftsman homes that climb from the flats into the Berkeley Hills. We help Berkeley buyers, homeowners and investors with jumbo, conventional and multi-unit financing, refinances and equity lines. Self-employed investors, retirees and anyone whose tax returns understate their real income can struggle with conventional investor loans. No income investor loans in Berkeley solve that by looking at the property instead of the borrower's personal income, which is exactly how Pacific National Lending helps investors keep buying.
Call Pacific National Lending for no income investor loans in Berkeley: (916) 526-2700
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Berkeley is one of the most competitive markets in the Bay Area, with homes commonly selling far above list price, so buyers need a fully underwritten pre-approval and a lender who can close fast with few contingencies. Most homes are close to a century old, which puts foundations, seismic work and appraisal condition in play, and duplexes, backyard cottages and rent-controlled multi-unit buildings each have their own financing rules. No income investor loans in Berkeley are usually DSCR loans: the lender divides the property's monthly rent by the monthly payment including taxes, insurance and HOA dues, and approves the loan when that ratio meets the program's minimum, often 1.0 or higher. Some lenders allow ratios below 1.0 with a larger down payment.
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Housing includes brown-shingle and Craftsman homes in Elmwood, Claremont and North Berkeley, period-revival homes in Thousand Oaks, bungalows in Westbrae and South and West Berkeley, view homes in the Berkeley Hills, and condos near downtown and campus. The process for a no income investor loan in Berkeley is faster and simpler than a conventional loan: an application, a credit pull, asset statements, the property's rent and an appraisal. Most close in about three weeks, and lenders generally allow the property to be held in an LLC.
To get a quote on a no income investor loan for an Berkeley property, call (916) 526-2700 or send the property address and rent through our application. We will run the numbers and give you a written term sheet.
We help borrowers with no income investor loans throughout Berkeley, including Elmwood, Claremont, North Berkeley, Berkeley Hills, and across the East Bay. Berkeley is about an hour and forty minutes from our Gold River office via I-80.
For no income investor loans in Berkeley, 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: No Income Investor Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Sather Tower from Memorial Glade" by Coolcaesar, CC BY-SA 4.0.
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