Investment property loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
An investment property loan in San Diego or Riverside County is for a 1-4 unit home you will not occupy. That is occupancy, not a product name. A second home is personal use for part of the year. This page does not invent DSCR products or rates. Conventional and jumbo still follow the 2026 $1,104,000 1-unit line.
What is an investment property loan here?
Non-owner occupied. 1-4 unit. San Diego County or Riverside County. You are not living there as your primary home and you are not occupying it as a second home. Occupancy is the underwriting fact. The product name on a flyer does not change that.
Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. Company DRE 02191517. Amir DRE 02106803. We shop conventional next to jumbo on the loan amount. See San Diego mortgage rates for why a published rate is not your lock.
Investment occupancy versus second home
If you will use the property personally for part of the year and are not treating it as a pure rental, second home loan San Diego may apply. If you will rent it as a business and not occupy it, it is generally investment. Mislabeling occupancy can create problems later. Be honest about use before we price the file.
This page does not invent DSCR products or rates. If a non-QM or DSCR path is even in play, that is a file-level conversation, not a webpage formula. Call (619) 366-9494.
How do the 2026 loan limits still apply?
Loan amount, not list price. For a 1-unit property in San Diego County, high-cost conforming is $1,104,000. Baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance conforming. Above $1,104,000 is generally jumbo. Confirm on loan limits.
FHA typical down is 3.5% and is a primary-occupancy program. VA is a primary-occupancy benefit. VA with full entitlement is not capped by the old county VA limit. Investment occupancy does not turn those into rental products.
What still has to work on a 1-4 unit rental file
Credit, income, assets, reserves, and the property still have to work. Projected rent does not automatically count at 100%. Condo projects still have to be eligible. We do not publish fake investment rates. Use the mortgage calculator for a sketch. Writing an offer? The San Diego offer sheet puts the number on paper. Already own and pulling equity? See Refinance San Diego.
We work these files in Chula Vista, Oceanside, Escondido, El Cajon, and Vista, plus Riverside County. Get a real number with Get Pre-Approved.
Frequently asked questions
It is financing for a 1-4 unit property you will not occupy. Occupancy is the point. If you will live there part of the year as a second home, that is a different file. Call (619) 366-9494.
No. A second home is personal use for part of the year. An investment property is non-owner occupied. Mislabeling occupancy creates problems later. See second home loan San Diego.
This page does not invent DSCR products or rates. We shop conventional and jumbo on the actual occupancy, credit, income, and loan amount. Ask us what is available on your file.
The test is still loan amount. 2026 1-unit high-cost conforming in San Diego County is $1,104,000. Baseline is $832,750. Amounts from $832,751 through $1,104,000 are high-balance. Above $1,104,000 is generally jumbo.
FHA typical down is 3.5% and is a primary-occupancy program. VA is a primary-occupancy benefit. Full entitlement is not capped by the old county VA limit. Investment occupancy is a different path.
Sometimes, under lender rules. Do not assume advertised rent automatically counts at 100%. We check the file, not a listing description.
Often yes, but condo project eligibility still matters. Occupancy is still investment if you will not live there.
No. This page is occupancy and program structure, not a rate quote. See San Diego mortgage rates for why a published number is not your lock.
Need an investment occupancy number?
Get pre-approved. We price the occupancy you will actually use, not a listing label.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Amir Nurani DRE #02106803 · Equal Housing Lender