Question 1

What down payment do I need for a Tiburon investment property?

Accepted Answer

Expect 20-25% down for single-family rentals, 25-30% for multi-unit or complex strategies. Portfolio lenders may require more on high-balance loans.

Question 2

Can I use projected rental income to qualify?

Accepted Answer

Most lenders use 75% of market rent to offset the property payment. DSCR loans rely entirely on rental cash flow without reviewing your personal income.

Question 3

How many investment properties can I finance?

Accepted Answer

Conventional loans cap at 10 financed properties total. Beyond that, you need portfolio lenders who price individually based on your entire rental portfolio performance.

Question 4

Do Tiburon short-term rental restrictions affect financing?

Accepted Answer

Yes. Most lenders won't count Airbnb income if local laws prohibit or heavily restrict STRs. Verify zoning allows your intended rental strategy before applying.

Question 5

What rates should I expect on Tiburon investor loans?

Accepted Answer

Conventional investor loans run 0.5-0.75% above owner-occupied rates. Portfolio and DSCR products add another 0.5-1% premium. Rates vary by borrower profile and market conditions.

Question 6

Is cash flow positive achievable in Tiburon rentals?

Accepted Answer

Rarely on single-family homes with 20% down. Investors here buy for appreciation and tax benefits, not monthly cash flow. Run conservative numbers before you commit.

Investor Loans in Tiburon: Financing High-End Marin Rental Properties