Marin County · California

Hard Money Loans in
San Rafael, CA

Hard money and private capital for Bay Area investors — Fix & Flip, Ground Up Construction, Stabilized Bridge, and DSCR Rental loans in San Rafael. Close in 5–10 business days.

5–10
Day Close
90%
Max LTV (F&F)
100%
Rehab Financed
No
Income Docs (DSCR)

San Rafael Real Estate Investment Market

Market Insight

San Rafael serves as Marin County's commercial center, offering more accessible price points than Tiburon and Mill Valley while maintaining excellent transit access to San Francisco via SMART train and Golden Gate ferry.

San Rafael investors are primarily focused on Marin County fix-and-flip, single-family rentals, and ground-up construction. With over $1.3M median home price, private capital is often the fastest and most flexible financing tool available.

Fix & FlipSingle Property RentalGround Up
CountyMarin County
StateCalifornia
Price TierLuxury
Median PriceOver $1.3M median home price
Investor FocusFix & Flip, Single Property Rental, Ground Up
Downtown San RafaelTerra LindaLucas ValleyCanalGerstle Park

Private Loans Available in San Rafael

All five loan products are available in San Rafael and throughout Marin County. No income docs required for DSCR loans.

Typical San Rafael Investor Profile

Investor Profile

Marin County investors targeting the county seat — a hub for government employment, healthcare, and arts — with strong long-term rental demand from SF commuters.

Speed Over Everything

In competitive markets like San Rafael, a 5–10 day close wins the deal. Conventional lenders can't compete with private money speed.

No Income Verification

Our DSCR rental loans qualify based on the property's cash flow, not your W-2. Self-employed investors and business owners are welcome.

Asset-Based Lending

Approval is based on the property's value and your investment plan — not a bureaucratic credit file. Credit scores as low as 620 considered.

Frequently Asked Questions — San Rafael

What types of investment loans do you offer in San Rafael?
We offer Fix & Flip bridge loans, Ground Up Construction loans, Stabilized Bridge loans, Single Property DSCR Rental loans, and Rental Portfolio blanket loans — all available for residential investment properties (non-owner-occupied) in San Rafael and throughout Marin County.
How fast can I close a hard money loan in San Rafael?
Most fix & flip and bridge loans in San Rafael close in 5–10 business days from completed application. Ground-up construction loans typically take 10–15 business days due to draw schedule review. Speed is our primary advantage in San Rafael's competitive investment market.
What LTV do you lend for fix-and-flip loans in San Rafael?
We lend up to 90% of purchase price and 100% of rehab costs on fix-and-flip loans in San Rafael, subject to a maximum of 75% of the after-repair value (ARV). Given San Rafael's over $1.3M median home price, this allows investors to finance the majority of their acquisition and renovation costs with minimal equity required upfront.
Do you lend on multifamily properties in San Rafael?
Yes — we lend on 1–4 unit residential investment properties in San Rafael, including single-family homes, condos, duplexes, triplexes, and fourplexes. All properties must be non-owner-occupied investment properties. We do not lend on owner-occupied primary residences or commercial properties.
What is a DSCR loan and does it make sense for San Rafael rentals?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income the property generates, not the borrower's personal income or tax returns. For San Rafael landlords — especially self-employed investors — this removes the biggest obstacle to portfolio growth. We lend up to 80% LTV on DSCR loans in San Rafael.

Other Marin County Markets We Serve

Ready to Fund Your Next San Rafael Deal?

Get pre-qualified in minutes. No income docs. No tax returns. Close in 5–10 days.

Apply Online Now → Call (650) 780-3148