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San Anselmo sits in one of California's most expensive counties. Marin property values stay high, which means investor margins are tight but appreciation is real.
This is a buy-and-hold market more than a flip market. Strong rental demand from professionals priced out of San Francisco makes long-term rentals the smarter play here.
660+
Min Credit Score
20-25%
Down Payment
Not Required (DSCR)
Income Verification
21-30 Days
Typical Close Time
Borrower & Property
Rate Varies By
Investor Loans in San Anselmo
Investor loans are non-QM products. Lenders skip traditional income verification and focus on the property's cash flow or your asset base instead.
Most lenders want 20-25% down on investment properties. Credit score minimums typically start at 660, though better pricing kicks in above 720.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in San Anselmo.
San Anselmo sits in one of California's most expensive counties. Marin property values stay high, which means investor margins are tight but appreciation is real.
This is a buy-and-hold market more than a flip market. Strong rental demand from professionals priced out of San Francisco makes long-term rentals the smarter play here.
Investor loans are non-QM products. Lenders skip traditional income verification and focus on the property's cash flow or your asset base instead.
Retail banks rarely have competitive investor loan products. Most good programs sit at the wholesale level — only accessible through licensed brokers.
We work with 200+ wholesale lenders. That means we can match your deal to lenders who specialize in Marin County investment properties specifically.
DSCR loans are the most common fit for San Anselmo rentals. The lender looks at rent income versus the mortgage payment — your personal income stays out of it.
Bridge loans work when you need to move fast on a property before selling another. Hard money is a last resort — the rates are high and terms are short.
Conventional investment loans cap at a debt-to-income limit. That kills deals for self-employed investors and portfolio holders with complex tax returns.
DSCR and bridge loans bypass that entirely. The property qualifies — not you. That distinction matters a lot when you own multiple rentals already.
San Anselmo properties hold value but they're expensive to finance. Loan amounts often push into jumbo territory, so lender selection is critical.
Marin County zoning can limit short-term rental income. Underwriting based on long-term rent comps is usually the safer approach with local lenders.
Yes, on a DSCR loan the property's rent income is what qualifies you. Your personal income doesn't factor in at all.
Most investor loan programs require 20-25% down. Higher loan amounts in Marin may push that closer to 25-30%.
Some lenders allow STR income with documented history. Marin County STR restrictions can complicate this — long-term rent comps are safer.
DSCR loans typically close in 21-30 days. Bridge and hard money loans can close faster, sometimes in under two weeks.
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.
Yes. Portfolio lenders and DSCR programs are built for this. Conventional lenders cap out at 10 financed properties — non-QM has no such limit.