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San Rafael is Marin County's largest city. Dense rental demand and limited housing supply make it a serious target for income-property investors.
Marin's high barriers to entry mean fewer amateur buyers. Investors who do close here tend to hold long-term — and finance smartly.
680+
Min Credit Score
20–25%
Min Down Payment
Property cash flow
Income Verification
Non-QM / DSCR
Loan Type
21–30 days
Typical Close Time
Investor Loans in San Rafael
Investor loans in Marin are almost always non-QM. That means lenders don't verify income the traditional way.
DSCR loans qualify you on the property's rent income, not your tax returns. Most lenders want a DSCR ratio of 1.0 or better — ideally 1.25.
Retail banks rarely offer investor-specific products for Marin-priced assets. Wholesale non-QM lenders are where deals actually get done.
At SRK CAPITAL, we run your scenario across 200+ wholesale lenders. That matters when loan amounts climb past $1.5M on a Marin rental property.
The biggest mistake investors make in Marin: using a conventional lender and getting killed on timeline. Non-QM deals close faster with the right shop.
Fix-and-flip buyers should look at bridge or hard money first. DSCR makes more sense once the property is stabilized and rented.
Conventional investment loans cap out at Fannie Mae limits and require full income docs. They're cheap when you qualify — but most Marin investors don't fit that box.
DSCR and bridge loans cost more in rate. But they close on time, don't require employment verification, and scale with your portfolio.
San Rafael has a mix of single-family rentals and small multifamily. Both asset types work well for DSCR financing as of April 2026.
Marin County's zoning is strict. Verify ADU rules and rental ordinances before you close — they affect your projected rent income and DSCR calculation.
Most non-QM lenders want 680 or higher. Stronger credit means better pricing on jumbo investor deals in Marin.
Yes. Most lenders use a rent appraisal or lease agreement. The property needs to pencil at a 1.0 DSCR minimum.
Plan on 20–25% down. Some lenders require 25–30% on non-warrantable or higher-balance properties.
Many non-QM products include a prepayment penalty period of 1–5 years. Review the terms before you commit.
No. DSCR requires a stabilized, rentable property. Use a bridge or hard money loan for rehab projects.
Yes. Several non-QM lenders offer portfolio blanket loans. That structure works well for multi-property Marin investors.