Question 1

What is a DSCR loan and how does it work in Fairfax?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's rental income by the mortgage payment — a ratio above 1.0 typically qualifies.

Question 2

Do I need to show personal income for an investor loan?

Accepted Answer

Not on most non-QM programs. DSCR and asset-based loans qualify you on property performance or reserves, not your tax returns.

Question 3

How much do I need to put down on an investment property in Marin County?

Accepted Answer

Most investor loan programs require 20-25% down. Some hard money lenders go higher depending on the deal structure.

Question 4

Can I use an investor loan for a fix-and-flip in Fairfax?

Accepted Answer

Yes. Hard money and bridge loans are designed for that. They fund fast and are repaid when you sell or refinance the finished property.

Question 5

What credit score do I need for an investor loan?

Accepted Answer

660 is a practical floor for most non-QM investor programs. Some hard money lenders focus more on the asset than your score.

Question 6

Are short-term rentals financeable with investor loans in Fairfax?

Accepted Answer

Some lenders will use STR income for DSCR calculations. Verify Fairfax's local STR rules first — restrictions can kill the income projection.

Investor Loans in Fairfax, CA — Marin County Real Estate Financing