New Home Loan Options for Real Estate Investors in Madera, Chowchilla, and Fresno
If you’re a real estate investor in Madera, CA, Chowchilla, or Fresno, the right financing can make or break your next deal. Whether you’re looking to expand your rental portfolio, flip a property, or build from the ground up, working with a knowledgeable broker can open doors to new loan programs designed specifically for investors.
Let’s break down some of the most popular options available today.
1. Conventional Investment Property Loans
Banks and lenders in the Central Valley offer conventional loans for investors purchasing one- to four-unit properties. These loans typically require:
A down payment of 15–25%
Strong credit
Proof of rental income potential
For investors in Madera or Fresno, these are a reliable way to finance long-term rentals and vacation homes.
2. Non-QM & DSCR Loans
Traditional guidelines don’t work for every investor. That’s where non-QM (non-qualified mortgage) programs and Debt Service Coverage Ratio (DSCR) loans come in.
You may qualify based on rental income instead of personal income.
Perfect for self-employed investors or those managing multiple properties.
Great choice if you’re buying in fast-growing areas like Chowchilla or Fresno, where rental demand is strong.
3. Fix-and-Flip & Bridge Loans
Investors tackling rehab projects often turn to bridge loans or fix-and-flip financing.
These loans fund the purchase and renovation of a property.
Funding is quick, which helps you compete in hot markets like Madera.
Ideal for short-term projects with high upside potential.
4. FHA & VA Options for House Hacking
If you plan to live in one unit and rent out the rest, you may qualify for owner-occupied financing through FHA or VA loans.
FHA loans allow as little as 3.5% down.
VA loans (for veterans) offer zero down.
This strategy, often called house hacking, is popular among new investors in Chowchilla and Madera CA who want to build wealth with minimal upfront costs.
5. Hard Money & Private Lending
Sometimes speed matters more than low interest rates. Hard money lenders and private investors offer short-term funding for flips and quick closings.
Fast approvals, less paperwork.
Higher interest rates, but flexible for tough deals.
Popular with investors across Fresno and Madera who want to act fast in competitive markets.
Why Work with a Local Broker?
A skilled mortgage broker in Madera CA understands the unique opportunities and challenges of investing in the Central Valley. From Chowchilla’s growing neighborhoods to Fresno’s rental demand, a broker can connect you with the right loan program and make sure your deal gets to the finish line.