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South San Francisco's office market is heating up. Burlingame's 220 Park just hit 100% occupancy with tenants like Confluent and Upstart, signaling strong demand for commercial real estate in the Peninsula.
San Mateo County's median household income of $156,000 anchors a market where rental yields remain competitive. Investor loans let you acquire properties above the conforming limit without the jumbo rate penalty, provided you meet cash-flow and reserve...
680
Minimum FICO
20–25%
Down Payment Range
30–45 days
Typical Closing
+0.375–0.75%
Rate Premium
$156,000
County Median Income
Investor Loans in South San Francisco
Investor loans typically require 20% to 25% down, a credit score of 680 or higher, and proof of cash flow. The property's rental income or your personal reserves must support the loan amount — that's the debt-service-coverage ratio (DSCR) or a no-ratio...
San Mateo County's $156,000 median household income means most investor borrowers here have solid personal income to back the application. Lenders want to see either strong DSCR (usually 1.2x or higher) or 6 to 12 months of reserves in the bank.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in South San Francisco.
South San Francisco's office market is heating up. Burlingame's 220 Park just hit 100% occupancy with tenants like Confluent and Upstart, signaling strong demand for commercial real estate in the Peninsula.
San Mateo County's median household income of $156,000 anchors a market where rental yields remain competitive. Investor loans let you acquire properties above the conforming limit without the jumbo rate penalty, provided you meet cash-flow and reserve...
Investor loans typically require 20% to 25% down, a credit score of 680 or higher, and proof of cash flow. The property's rental income or your personal reserves must support the loan amount — that's the debt-service-coverage ratio (DSCR) or a no-ratio...
California's investor-loan market is split between portfolio lenders (who hold loans) and correspondent lenders (who sell to investors). Portfolio lenders often have more flexibility on DSCR and reserves, while correspondents stick to tighter overlays.
Rates on investor loans run higher than owner-occupied because the lender carries more risk. Expect to pay 0.375% to 0.75% above a comparable owner-occupied rate.
Investor loans make sense in South San Francisco when you're buying a multi-unit building or rental home above the conforming limit. The Peninsula's strong job growth and high median income mean tenants are stable and rents support the loan.
The real win is no-ratio financing. If your property's current rent doesn't hit 1.2x DSCR, no-ratio lets you close anyway — you just pay a higher rate. For investors buying undervalued properties or repositioning units, that flexibility is worth the cost.
Conventional rental loans require 20% down and strong DSCR, but they cost less in rate. Investor loans carry a higher rate but offer no-ratio financing when rents fall short. If your property's cash flow is solid, conventional wins on cost.
Jumbo investor loans (above the conforming limit) require 25% down and 6 to 12 months reserves. Investor loans have the same down-payment range but more flexibility on DSCR.
Burlingame's 220 Park office tower reaching 100% occupancy signals sustained employment growth on the Peninsula. For investors buying rental homes or multi-unit buildings here, that means stable tenant demand and rising rents.
San Mateo City Council is weighing a regional transit tax measure to fund Caltrain and BART. If approved, improved transit access could boost property values and rental demand in South San Francisco.
Investor loans typically require 20% to 25% down. Portfolio lenders may accept 20% if your DSCR is strong. Correspondent lenders often push for 25%. The higher down payment protects the lender because investment properties carry more risk.
Yes. No-ratio financing lets you close without hitting the standard 1.2x DSCR threshold. You'll pay a higher rate — typically 0.5% to 1% above standard investor pricing — but it opens deals when rents don't support traditional qualification.
Lenders typically want 6 to 12 months of reserves (mortgage payment, taxes, insurance, HOA). If your DSCR is very strong, some portfolio lenders will accept 3 to 6 months. Reserves prove you can cover the loan if the property sits vacant.
Most investor lenders require 680 FICO minimum. Some portfolio lenders go down to 660 if your DSCR and reserves are strong. The higher your score, the better your rate. Expect to pay 0.25% to 0.5% more if you're below 700.
Investor loans typically close in 30 to 45 days. Portfolio lenders can move faster (25 to 35 days) if you have clean financials. Correspondent lenders take longer because they sell the loan and must satisfy investor guidelines.