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Sausalito is one of the tightest real estate markets in Marin County. Inventory is thin and competition is real.
Investor loans here need to move fast. Standard bank timelines don't work when sellers have multiple offers in hand.
620–660
Min Credit Score
20–25%
Typical Down Payment
1.0 or higher
DSCR Threshold
Under 2 weeks
Hard Money Close Time
21–30 days
DSCR Close Time
Investor Loans in Sausalito
Most investor loans in Sausalito are non-QM. That means lenders skip W-2s and tax returns.
DSCR loans qualify based on rental income, not yours. Most lenders want a DSCR ratio of 1.0 or higher.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Sausalito.
Sausalito is one of the tightest real estate markets in Marin County. Inventory is thin and competition is real.
Investor loans here need to move fast. Standard bank timelines don't work when sellers have multiple offers in hand.
Most investor loans in Sausalito are non-QM. That means lenders skip W-2s and tax returns.
Retail banks rarely have competitive investor loan programs. Wholesale lenders are where the real options live.
We work with 200+ wholesale lenders. That gives us access to DSCR, bridge, hard money, and interest-only programs most borrowers never see.
Sausalito properties don't always appraise the way you'd expect. Waterfront premiums and unique architecture create appraisal challenges.
DSCR lenders care about rent income, not appraisal aesthetics. Pick the loan structure that matches the deal's actual cash flow.
DSCR loans work best for stabilized rentals with predictable income. Bridge loans are better when you need speed to close.
Hard money costs more but closes in days, not weeks. Use it when the deal demands it, then refinance out.
Sausalito sits in a coastal zone with specific insurance requirements. Factor that into your cash flow projections upfront.
Marin County has strict zoning. Confirm rental and ADU rules before underwriting any deal here.
Not on DSCR or most non-QM investor programs. Lenders qualify the property on rental income, not your personal returns.
Most investor programs require 20-25% down. Some hard money lenders go higher depending on the deal.
Some lenders allow it, but many restrict short-term rental income in Marin. Confirm the lender's policy before applying.
Most DSCR and non-QM lenders start at 620-660. Better scores get better pricing. Rates vary by borrower profile and market conditions.
DSCR loans typically close in 21-30 days. Hard money can close in under two weeks when the deal is clean.
Yes, if your timeline is short and you have a clear exit. Bridge loans are designed for exactly that type of transaction.