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Mill Valley rentals command serious rents. That income — not your W-2 — is what gets a DSCR loan approved.
Marin County's tight housing supply keeps vacancy rates low. That's exactly the kind of market DSCR lenders want to see.
620–680
Min Credit Score
1.0 (some at 0.75)
Min DSCR Ratio
20–25%
Down Payment
30-year fixed available
Loan Term
None (property-based)
Income Docs Required
DSCR Loans in Mill Valley
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by its monthly mortgage payment.
Most lenders want a DSCR of 1.0 or higher. That means rent covers the full payment. Some lenders go below 1.0 with more equity down.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in Mill Valley.
Mill Valley rentals command serious rents. That income — not your W-2 — is what gets a DSCR loan approved.
Marin County's tight housing supply keeps vacancy rates low. That's exactly the kind of market DSCR lenders want to see.
DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's gross rent by its monthly mortgage payment.
DSCR is a non-QM product. Big retail banks mostly don't offer it. You need wholesale lenders who specialize in investor loans.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones price Marin County rentals competitively and close on time.
Mill Valley properties are expensive. That pushes loan amounts into jumbo DSCR territory, which fewer lenders touch.
We've closed jumbo DSCR deals in Marin. The key is matching the property's rent profile to the right lender's box — before you're in contract.
A conventional investor loan checks your DTI, tax returns, and all existing debt. DSCR skips all of that.
Hard money closes faster but costs more and has short terms. DSCR gives you a 30-year fixed — real hold financing, not a bridge.
Mill Valley sits in one of California's most supply-constrained rental markets. Properties that cash flow here are rare and hold value well.
Marin's high price points mean DSCR loan amounts regularly exceed conforming limits. Know your lender's jumbo DSCR caps before you shop.
No. DSCR lenders qualify the property, not you. The rental income covers the debt — that's the whole point of this loan.
Some lenders accept Airbnb-style income with documentation. Mill Valley's zoning rules may affect short-term rental eligibility — check local ordinances first.
Most lenders require 1.0 or above. A few go down to 0.75 with a larger down payment. Rates vary by borrower profile and market conditions.
Yes. Two-to-four unit properties are common DSCR targets. Some lenders go up to ten units before switching to commercial underwriting.
Expect 20-25% minimum for most DSCR lenders. Higher loan amounts or lower DSCR ratios usually require more equity.
DSCR rates typically run higher than conventional investor rates. The trade-off is no income documentation and faster qualification. Rates vary by borrower profile and market conditions.