I stayed one night at the Panama House in San Rafael in mid-December. Perhaps it was the time of the year that will contribute to this poor review, but others I talked to later had similar experiences at different times of the year. There is a large, busy and elegant restaurant right under a number of the rooms. Kitchen noise, restaurant noise and live music will be the dominant theme of your night time back drop. The restaurant closes at 10 pm, but it takes a while for all of the noise to wind down.
There is a restaurant table that blocks the entry way to the stair case to the rooms. I had to ask diners to get out of their chairs and move so I could go in and out of the door way to get to my room.
I cancelled my second two nights there and went looking for other accomodations.