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San Rafael is one of the tightest rental markets in the Bay Area. High rents here work in your favor with a DSCR loan.
DSCR loans qualify you based on the property's rent — not your tax returns. That matters a lot for investors with complex income.
1.0 (some at 0.75)
Min DSCR Ratio
620
Min Credit Score
20-25% minimum
Down Payment
Up to $3M+
Max Loan Amount
21-30 days
Typical Close Time
DSCR Loans in San Rafael
Most lenders want a DSCR of 1.0 or higher. That means monthly rent covers the full mortgage payment.
Expect a minimum 620 credit score. Better scores push rates down. Down payments typically start at 20-25%.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in San Rafael.
San Rafael is one of the tightest rental markets in the Bay Area. High rents here work in your favor with a DSCR loan.
DSCR loans qualify you based on the property's rent — not your tax returns. That matters a lot for investors with complex income.
Most lenders want a DSCR of 1.0 or higher. That means monthly rent covers the full mortgage payment.
DSCR is a non-QM loan. Most banks won't touch it. You need wholesale lenders who specialize in investor products.
We work with 200+ wholesale lenders at SRK CAPITAL. That means real rate competition for your San Rafael deal.
Marin properties appraise high and rent high. That combo can produce a solid DSCR even on a big purchase price.
The math has to work at close. Get a rent schedule from an appraiser early — don't guess what a lender will accept.
A conventional investor loan will ask for two years of tax returns and cap you at ten financed properties.
DSCR skips all that. No income limits, no employment history. The property's cash flow is the underwrite.
San Rafael sits in Marin County — one of California's highest-cost markets. Loan amounts here are large.
DSCR loans go up to $3M or more with the right lender. That coverage matters for Marin-priced investment properties.
Most lenders want 1.0 or above. Some go as low as 0.75 with a higher down payment and stronger credit.
Some lenders accept short-term rental income. You'll need documented rental history or a market rent analysis.
No. The loan qualifies on the property's rent, not your W-2s or tax returns.
Most require at least 620. A score above 700 gets you meaningfully better rates. Rates vary by borrower profile and market conditions.
Many lenders go up to $3M or higher. Marin loan sizes are large, and DSCR lenders in our network handle that.
Faster than conventional — often 21 to 30 days. No income docs means less back-and-forth with underwriting.