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Belvedere is one of the most expensive ZIP codes in Marin County. Rental income here is strong, which makes DSCR lending a natural fit.
DSCR loans qualify you based on what the property earns — not your W-2 or tax returns. For investors with complex income, that matters.
620–660
Min Credit Score
1.1x (most lenders)
Min DSCR Ratio
20–25%
Min Down Payment
None
Income Docs Required
30-yr fixed available
Loan Term Options
DSCR Loans in Belvedere
Lenders calculate your DSCR by dividing monthly rental income by monthly debt payments. A ratio of 1.0 means the property breaks even. Most lenders want 1.1 or higher.
Expect a minimum 620-660 credit score. Down payments typically start at 20-25%. No income verification means no tax returns, no pay stubs.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Belvedere.
Belvedere is one of the most expensive ZIP codes in Marin County. Rental income here is strong, which makes DSCR lending a natural fit.
DSCR loans qualify you based on what the property earns — not your W-2 or tax returns. For investors with complex income, that matters.
Lenders calculate your DSCR by dividing monthly rental income by monthly debt payments. A ratio of 1.0 means the property breaks even. Most lenders want 1.1 or higher.
DSCR is a non-QM product. Most retail banks won't touch it. You need a broker with access to wholesale non-QM lenders — that's where pricing gets competitive.
We work with 200+ wholesale lenders, including a deep bench of non-QM shops. In a high-value market like Belvedere, loan size matters. Not every lender goes jumbo on DSCR.
Belvedere properties often hit jumbo territory fast. Make sure your lender can handle high-balance DSCR — many non-QM lenders cap out below what you need here.
Short-term rental income from Airbnb-style properties is tricky. Some lenders will use projected rents from an appraisal. Others want a 12-month lease. Know this before you shop.
Hard money is faster but expensive — rates can run 10-13%+. DSCR is a long-term hold product with 30-year fixed options. Pick based on your exit strategy.
Bank statement loans use your personal deposits to qualify. DSCR uses the property's income. If the rent covers the debt, DSCR is usually the cleaner path.
Belvedere sits on a small island in Marin. The housing stock is limited, which keeps vacancy low and supports rental income for DSCR calculations.
Properties here often require flood or waterfront insurance. Lenders factor that into the monthly debt load. Higher insurance costs can compress your DSCR ratio.
Most lenders want a DSCR of 1.1 or higher. Some allow 1.0 with a stronger credit profile and lower LTV.
Yes. Many DSCR lenders accept a rent schedule from the appraisal. This works well for vacant or newly acquired properties.
Some lenders allow STR income. Others require a long-term lease. Confirm the lender's policy before you apply.
Most lenders require 20-25% down. Higher LTV options exist but typically come with higher rates.
Yes, but not from every lender. Belvedere prices often exceed conforming limits, so you need a non-QM lender that goes jumbo on DSCR.
It does. Lenders include insurance in monthly expenses. Higher premiums lower your ratio, so factor that in early.