Commercial
Hotel Loans in Tiburon, CA
What is a Hotel Loans? Hotel Loans is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Tiburon, CA.
Custom Mortgage arranges Hotel Loans financing in Tiburon, CA and across Marin County. Marin County's 2026 FHFA conforming loan limit is $1,249,125 for a one-unit home and $2,402,625 for four units, $416,375 above the $832,750 national baseline. Census ACS 2024 data puts the median owner-occupied home value in Marin County at $1,507,300, $258,175 above that one-unit limit.
Median household income there is $149,091 and 65% of homes are owner-occupied (Census ACS 2024).
Key Facts About Hotel Loans
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Hotel Loans ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Hotel Loans.
CMRE Hotel Loans closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates for qualified borrowers.
Financing available for both franchised (flagged) and independent (non-flagged) hotels.
Flexible loan terms to suit your specific investment strategy.
Expert guidance from experienced commercial real estate professionals.
Streamlined application process for efficient loan approval.
Unlock the potential of your hotel property with strategic financing solutions.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$500K - $20M+
Amortization Options
Eligible Properties
- Flagged Hotels
- Independent Hotels
- Motels
- Boutique Hotels
Program Requirements
Income Documentation
- •Detailed historical income statements for the hotel.
- •Projected income statements based on market analysis.
- •Franchise agreements (if applicable).
- •Occupancy rates and average daily rate (ADR) data.
Asset Verification
- •Appraisal of the hotel property by a qualified appraiser.
- •Balance sheets for the borrowing entity.
- •List of all assets owned by the borrowing entity.
- •Proof of funds for down payment and closing costs.
Insurance & Title
- •Property insurance policy with adequate coverage.
- •General liability insurance policy.
- •Business interruption insurance policy.
- •Flood insurance (if applicable).
Property Requirements
- •Minimum FICO score of 640.
- •Credit report for all principals of the borrowing entity.
- •History of on-time payments.
- •No recent bankruptcies or foreclosures.
Hotel Loans in Tiburon: The Complete Guide
What Is Hotel Loans?
Hotel loans are a specialized type of commercial real estate financing designed to help investors and operators acquire, refinance, or improve hotel properties. These loans consider the unique characteristics of the hotel industry, such as seasonality, occupancy rates, and revenue per available room (RevPAR). Lenders typically assess the historical and projected performance of the hotel, as well as the borrower's experience and management capabilities.
Qualifying for Hotel Loans
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Hotel Loans vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Hotel Loans with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Marin County at a glance
- Conforming loan limit (1 unit)
- $1,249,125
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,402,625
- Source: FHFA, 2026
- Above the national baseline by
- $416,375
- Source: FHFA, 2026
- Median owner-occupied home value
- $1,507,300
- Source: Census ACS 5-year, 2024
- Median household income
- $149,091
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 65%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 10.1
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: MARIN
MARIN, CA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,249,125
2-Unit (Duplex)
$1,599,375
3-Unit (Triplex)
$1,933,200
4-Unit (Fourplex)
$2,402,625
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Hotel Loans in Tiburon, CA
Premium mortgage lending services in Tiburon, CA. We specialize in jumbo loans, conventional financing, and custom programs for high-net-worth borrowers.Custom Mortgage & Real Estate specializes in providing high-fidelity Hotel Loans solutions tailored to the unique economic landscape of Tiburon and the surrounding Marin County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireTiburon metropolitan area.
Service Areas & Neighborhoods
Our Tiburon Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Hotel Loans in Tiburon
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Hotel Loans rates in Tiburon vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. Pre-approvals are issued within 24 hours of a complete application.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Tiburon and throughout Marin County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for Marin County business owners purchasing or refinancing commercial real estate.
See all Hotel Loans questions and program details
Hotel Loans by Location
Get local rates, loan limits, and market data for Hotel Loans in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
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"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
