DSCR Loans in Marin County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 94 lenders made 284 investment-property loans in Marin County, 0.5% of California's total. Dominick Prevete arranges DSCR loans across Marin County, California, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of at most about $750,000.
Marin County investor market at a glance
| Statistic | Marin County | California | County rank |
|---|---|---|---|
| Investor loans | 284 | 54,410 | 27th of 39 |
| Reporting lenders | 94 | 630 | 25th of 39 |
| Loan volume | $248.2M | $37.12B | 22nd of 39 |
| Average loan | $874K | $682K | 8th of 39 |
| Median loan | $685K | $485K | 5th of 39 |
| Purchases | 46.5% | 51.1% | 32nd of 39 |
| Cash-out refinances | 23.9% | 25.6% | 21st of 39 |
| 2–4 unit properties | 13.7% | 16.6% | 21st of 39 |
| Top five lenders' share | 27.5% | 23.2% | 26th of 39 |
| Reported business-purpose | 74.3% | 71.2% | 8th of 39 |
Marin County: closed-end loans on 1–4 unit investment properties. Marin County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Marin County's investor loans.
What stands out in Marin County
The median investor loan in Marin County was $685K, the 5th-highest median of California's 39 counties with published data (statewide: $485K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
46.5% of Marin County's investor loans were purchases, the 8th-lowest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Marin County ranks 8th-highest of California's 39 counties with published data (statewide: 71.2%).
74.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Marin County?
At HUD's fair market rent of $4,832 for a 3-bedroom in Marin County, California, a rental covers its full DSCR payment up to a purchase price of at most about $750,000, with 20% down at the 7.25% starting rate (November 2026). Marin County's median home value is $1,507,300; at that price the payment is at least $9,687 a month, so the property would need at least $9,700 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $3,697 / $4,832 / $5,439 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $1,507,300 |
| Median property taxes and effective rate | $10,000+ (at least 0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | at least $9,687 |
| Rent needed to cover that payment | at least $9,700 |
| Coverage of a 3-bedroom at fair market rent | 0.50 or less |
| Highest price a 3-bedroom at fair market rent covers | at most about $750,000 |
Census reports median property taxes of $10,000 or more as "$10,000+", so this county's true median tax is higher than the figure used: the payment and the rent needed are at least what is shown, and the price and coverage at most.
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Marin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Marin County?
The most active investment-property lenders in Marin County in 2025 HMDA data were First Bridge Funding, Inc.; Kiavi Funding, Inc.; and CONVENTUS LLC, out of 94 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Marin County, and matches each file to the one most likely to fund it.
Marin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 284 loans and $248.2M from 94 lenders. First Bridge Funding, Inc. led Marin County with 17 loans, 6.0% of the county's total, and the average Marin County loan of $874K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Bridge Funding, Inc. | 17 | $20.5M | $1204K | 76.5% |
| Kiavi Funding, Inc. | 16 | $23.6M | $1475K | 87.5% |
| CONVENTUS LLC | 16 | $20.0M | $1249K | 56.2% |
| Citadel Servicing Corporation | 15 | $8.6M | $574K | 26.7% |
| Rocket Mortgage, LLC | 14 | $7.1M | $507K | 14.3% |
| GUARANTEED RATE, INC. | 8 | $7.8M | $979K | 62.5% |
| JPMorgan Chase Bank, National Association | 8 | $5.2M | $644K | 50.0% |
| THE LOAN STORE, INC. | 8 | $4.3M | $539K | 37.5% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $3.9M | $650K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $3.9M | $643K | 50.0% |
| Charles Schwab Bank, SSB | 6 | $3.3M | $545K | 33.3% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 6 | $3.2M | $533K | 50.0% |
| Bank of Marin | 6 | $1.6M | $273K | 16.7% |
| OCMBC, INC. | 5 | $4.5M | $897K | 20.0% |
| Wells Fargo Bank, National Association | 5 | $3.2M | $635K | 60.0% |
| Morgan Stanley Private Bank, National Association | 4 | $4.8M | $1210K | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | $3.9M | $975K | 75.0% |
| REDWOOD | 4 | $3.5M | $880K | 75.0% |
| EVERETT FINANCIAL, INC. | 4 | $3.4M | $838K | 100.0% |
| NEWREZ LLC | 4 | $3.3M | $835K | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $3.0M | $750K | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $3.0M | $750K | 25.0% |
| Emporium TPO LLC | 4 | $2.8M | $710K | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $2.5M | $633K | 75.0% |
| U.S. Bank National Association | 4 | $2.4M | $588K | 25.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Marin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Marin County CSV, all 25 lenders
What Marin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Marin County's fix-and-flip and bridge lenders barely appear among its 94 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Marin County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Marin County, California property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Marin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 94 lenders and 284 loans: 2025 HMDA loan-level data rolled up to Marin County.
- Marin County investor-lender dataset (CSV) — All 25 lenders in the Marin County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Marin County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the San Francisco, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Marin County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.