Question 1

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

Accepted Answer

Yes, on a DSCR loan the property's rent income is what qualifies you. Your personal income doesn't factor in at all.

Question 2

What down payment do I need for an investment property here?

Accepted Answer

Most investor loan programs require 20-25% down. Higher loan amounts in Marin may push that closer to 25-30%.

Question 3

Do Airbnb or short-term rental income count toward DSCR?

Accepted Answer

Some lenders allow STR income with documented history. Marin County STR restrictions can complicate this — long-term rent comps are safer.

Question 4

How fast can an investor loan close in San Anselmo?

Accepted Answer

DSCR loans typically close in 21-30 days. Bridge and hard money loans can close faster, sometimes in under two weeks.

Question 5

Is a fix-and-flip loan a good fit for San Anselmo properties?

Accepted Answer

Flipping in Marin is tough due to high acquisition costs. Hard money or bridge loans cover it, but margins are thin — run the numbers carefully.

Question 6

Can I finance multiple investment properties at once?

Accepted Answer

Yes. Portfolio lenders and DSCR programs are built for this. Conventional lenders cap out at 10 financed properties — non-QM has no such limit.

Investor Loans in San Anselmo, Marin County