Question 1

Can I use rental income to qualify for an investor loan in Belvedere?

Accepted Answer

Yes — DSCR loans qualify you on the property's rent, not your personal income. The rental income must cover the debt payment.

Question 2

What down payment do I need for an investment property here?

Accepted Answer

Most investor loan programs require 20-25% down. Higher-value Belvedere properties may need more depending on the lender.

Question 3

How fast can a hard money loan close in Marin County?

Accepted Answer

Hard money can close in 7-14 days in many cases. That speed is a real advantage in Belvedere's competitive market.

Question 4

Are investor loans considered non-QM loans?

Accepted Answer

Most are, yes. They don't follow standard income verification rules. That makes them non-qualifying mortgage products.

Question 5

What credit score do I need for a DSCR loan in Belvedere?

Accepted Answer

Most DSCR lenders want a 660 minimum. Stronger scores get better rates. Rates vary by borrower profile and market conditions.

Question 6

Can I finance a fix-and-flip property in Belvedere?

Accepted Answer

Yes. Hard money and bridge loans are the standard tools for flips. They're short-term and priced for quick exit strategies.

Investor Loans in Belvedere, CA — Marin's Toughest Market, Your Next Deal