Question 1

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

Accepted Answer

Yes — DSCR loans qualify you based on the property's rental income. Your personal tax returns aren't part of the equation.

Question 2

What credit score do I need for a DSCR loan?

Accepted Answer

Most DSCR lenders want at least a 660. Better scores get better rates. Rates vary by borrower profile and market conditions.

Question 3

How fast can a hard money loan close in Novato?

Accepted Answer

Hard money can close in 7–14 days. That speed costs you — rates are higher, but the timeline advantage is real on competitive deals.

Question 4

Do ADUs in Marin County count toward rental income on a DSCR loan?

Accepted Answer

Often yes, if the ADU is permitted and marketable. Lenders want a lease or market rent analysis to include that income.

Question 5

What down payment do investor loans in Novato require?

Accepted Answer

Most programs require 20–25% down. Some non-QM lenders go to 80% LTV on strong DSCR deals.

Question 6

Can I finance a fix-and-flip in Novato through SRK CAPITAL?

Accepted Answer

Yes. We have hard money and bridge loan options built for flips. Marin's slow permit process matters — structure your loan term accordingly.

Investor Loans in Novato, Marin County