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DSCR Loans in Larkspur
What credit score do I need for a DSCR loan in Larkspur?
A minimum 700 representative credit score for an investment property. The lender focuses on the property's rental income and your reserves, not your personal credit history alone.
01
Larkspur's median home price is $2,228,130, with properties at $917 per square foot. A Marin County mountaintop is opening to the public for the first time in decades, creating new hiking access.
On a $937,500 purchase with 20% down, monthly principal and interest runs $4,741 at 6.5%. Total monthly PITIA reaches $6,015—the property's rental income, not personal earnings, carries the qualification.
6.5%
Interest rate
$4,741
Monthly P&I
700
Minimum credit score
80%
Maximum LTV
02
DSCR investor loans qualify on the property's debt-service coverage ratio—the rent it generates divided by the debt it carries. You need a minimum 700 representative credit score and a maximum 80 percent loan-to-value ratio for an investment property.
The loan caps at $3,000,000 for an investment property, and you must hold six months in reserves. Your personal tax returns, W-2s, and employment history don't factor in; the property's rental cash flow is what the lender underwrites.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Larkspur.
Larkspur's median home price is $2,228,130, with properties at $917 per square foot. A Marin County mountaintop is opening to the public for the first time in decades, creating new hiking access.
On a $937,500 purchase with 20% down, monthly principal and interest runs $4,741 at 6.5%. Total monthly PITIA reaches $6,015—the property's rental income, not personal earnings, carries the qualification.
DSCR investor loans qualify on the property's debt-service coverage ratio—the rent it generates divided by the debt it carries. You need a minimum 700 representative credit score and a maximum 80 percent loan-to-value ratio for an investment property.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
DSCR loans have grown rapidly among investors, and lenders now compete hard on documentation speed and rate. Brokers like SRK CAPITAL shop DSCR across wholesale lender partners to find the best fit for your property's cash flow and your down payment.
Underwriting focuses on the lease agreement, the property's rental history, and your reserves—not your job or income. SRK CAPITAL closes DSCR loans in 17 to 21 days, or 10 days when expedited, giving investors a clear timeline to close on Larkspur properties.
04
DSCR makes sense in Larkspur when the property's rental income covers the debt comfortably. At $2,228,130 median price and $6,015 monthly PITIA, a rental property needs strong tenant demand and stable lease rates.
If you're self-employed or have inconsistent income, DSCR sidesteps documentation headaches. The trade-off: tighter underwriting on the property itself and a higher down payment than conventional allows.
05
Conventional loans in Larkspur let you put down less than DSCR requires, but they demand full income verification. They also carry mortgage insurance until you hit 78 percent LTV.
DSCR asks for 20% down and ignores your W-2s entirely. It runs a higher rate than conventional because the lender relies on the property's cash flow rather than your personal credit history.
06
A Marin County mountaintop is opening to the public for the first time in decades, creating new hiking access. That kind of amenity investment signals long-term neighborhood stability and may attract tenants.
Point Reyes Station, just north of Larkspur, is getting an ambitious new seafood restaurant and preservation investment. Those kinds of upgrades can lift rental demand in the broader Marin market.
FAQ
A minimum 700 representative credit score for an investment property. The lender focuses on the property's rental income and your reserves, not your personal credit history alone.
DSCR loans cap loan-to-value at 80 percent for an investment property, which means 20 percent down is the minimum. Conventional loans allow lower down payments but require full income verification.
You must hold six months in reserves to cover the mortgage, taxes, and insurance during vacancy. That reserve cushion is why lenders require it—it protects both you and the lender when rent stops.
SRK CAPITAL closes DSCR loans in 17 to 21 days, or 10 days when expedited. The timeline depends on how quickly the property appraises and the lease documentation clears underwriting.
Tax returns are optional on a DSCR loan. The lender underwrites the property's rental income and your reserves instead, making DSCR ideal for self-employed investors or those with inconsistent W-2 income.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Marin County
Our team of licensed mortgage brokers works Marin County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Marin County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.