Mortgages in San Francisco.
San Francisco is a condo-heavy, jumbo-dominant market. HOA financials, project warrantability, and non-warrantable condo lenders make lender selection the single biggest factor in whether a loan closes on time.
$1,209,750 (2026 high-balance conforming)
≈ $1.35M
Noe Valley, Pacific Heights, Mission, Sunset, Richmond, Bernal Heights, SoMa, Marina
- Deep jumbo and portfolio lender relationships
- Non-warrantable condo experience
- Local appraisal expectations
- Condo warrantability reviews
- HOA reserve requirements
- TIC vs. condo financing
Buying rentals in San Francisco? Qualify on the property, not your tax returns.
Most San Francisco investors we work with never touch a W-2 loan. DSCR financing underwrites the rent the property collects against its payment, so portfolio size, write-offs, and self-employment income stop being obstacles. Short-term rental income counts with many of our lenders, and closings run in title-holding LLCs.
DSCR Rental Loans
No tax returns, no DTI. Qualify on rent versus payment, 20-25% down, unlimited financed properties.
See the programFix & Flip / Bridge
Up to 90% of purchase plus rehab for value-add projects, with closings as fast as 10 days.
See the programBank Statement Loans
Self-employed buyers qualified on 12-24 months of deposits instead of write-off-heavy returns.
See the programSan Francisco mortgage questions.
Can I get a conventional loan on a San Francisco condo?
Yes, if the project is warrantable. If it isn't, we place the loan with one of several portfolio lenders that hold non-warrantable condos on balance sheet.
What's the 2026 loan limit in San Francisco?
$1,209,750 for a one-unit property, which is the high-balance conforming ceiling. Above that is jumbo.
Do you finance TICs?
Yes. TIC financing requires a specialized fractional lender. We have relationships with the two most active ones.