Folsom is fifteen minutes up Highway 50 from our Gold River office, and its combination of Folsom Lake, strong schools and major employers like Intel keeps demand high. We finance purchases and refinances throughout Folsom, including the new Folsom Ranch neighborhoods south of the freeway. Self-employed investors, retirees and anyone whose tax returns understate their real income can struggle with conventional investor loans. No income investor loans in Folsom 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 Folsom: (916) 526-2700
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Folsom is a competitive, higher-priced market where many purchases push into jumbo territory and sellers expect a strong pre-approval before they take an offer seriously. Move-up buyers, relocating tech and healthcare professionals and long-time owners tapping equity are the borrowers we see most. No income investor loans in Folsom 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 runs from 1980s and 90s neighborhoods in Broadstone, Empire Ranch and Lexington Hills to historic homes near Sutter Street and brand-new construction in Folsom Ranch south of Highway 50. Investors in Folsom with growing portfolios appreciate that no income loans do not count against the conventional ten-property limit and do not require debt-to-income calculations. We help investors decide when to use conventional financing and when to switch.
To get a quote on a no income investor loan for an Folsom 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.
Pacific National Lending serves Empire Ranch, Broadstone, Folsom Ranch, Historic Folsom and the rest of Folsom for no income investor loans. Folsom is a short drive from our office, and in-person meetings are easy to arrange.
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 no income investor loans in Folsom.
Apply HereLearn more about the program itself: No Income Investor Loans · All loan options · Purchase · Refinance · Today's rates
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