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San Anselmo sits in one of California's most landlord-friendly rental markets. Marin County rents are strong, and that cash flow is exactly what DSCR lenders want to see.
DSCR loans qualify you based on the property's rent — not your tax returns. That's a major advantage for investors who write off income aggressively.
1.0 (most lenders)
Min DSCR Ratio
620
Min Credit Score
20-25% minimum
Down Payment
Non-QM / Investor
Loan Type
None required
Income Docs
DSCR Loans in San Anselmo
Most DSCR lenders want a ratio of 1.0 or higher. That means monthly rent must cover the full mortgage payment. Marin rents often make this achievable.
Credit requirements typically start at 620. Expect a minimum 20-25% down payment. The property's income does the heavy lifting on approval.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in San Anselmo.
San Anselmo sits in one of California's most landlord-friendly rental markets. Marin County rents are strong, and that cash flow is exactly what DSCR lenders want to see.
DSCR loans qualify you based on the property's rent — not your tax returns. That's a major advantage for investors who write off income aggressively.
Most DSCR lenders want a ratio of 1.0 or higher. That means monthly rent must cover the full mortgage payment. Marin rents often make this achievable.
DSCR loans are non-QM products. Most big banks don't offer them. You need a broker with access to wholesale non-QM lenders — that's where options actually live.
We work with 200+ wholesale lenders, and several specialize in DSCR for high-cost California markets. Rates vary by borrower profile and market conditions.
The number I watch is the DSCR ratio before we ever pull credit. If projected rent doesn't clear the payment at current rates, we shop a different program first.
Single-family rentals in San Anselmo tend to pencil better than multi-unit. Lenders get conservative on Marin pricing — the right lender match matters here.
A conventional investment loan requires full income docs and counts all your debts. DSCR ignores your personal debt load entirely. That's a real structural difference.
Hard money moves faster but costs more. DSCR is the middle path — better rates than hard money, fewer hurdles than conventional. Most Marin investors land here.
San Anselmo is a small town with limited rental inventory. That scarcity keeps vacancy low and rents firm — both factors DSCR lenders love to see in an appraisal.
Marin County property values are high. Loan amounts on DSCR deals here will likely be jumbo territory. Not every DSCR lender goes there — we know which ones do.
Most lenders require 1.0 or above. Some go to 0.75 with compensating factors like strong credit or larger down payment.
No. Approval is based on the rental property's income. Your W-2s and tax returns stay out of it.
Some lenders allow it using projected or historical Airbnb income. Not all do — lender selection matters here.
Plan for 20-25% down at minimum. High-value Marin properties may require 25-30% depending on the lender.
Yes. Two-to-four unit properties are eligible. Terms may tighten compared to single-family rentals at these price points.
DSCR rates typically run higher than conventional. The tradeoff is a faster, simpler approval with no income docs. Rates vary by borrower profile and market conditions.