Nowadays, numerous earth-observation data are obtained from different kinds of platforms, in which data from synthetic aperture radar (SAR) sensors and optical sensors account for the vast majority. They have been widely used in different fields such as 3 dimensional (3D) geo-information reconstruction, object recognition and others. Researchers have investigated the suitability of the rational function model (RFM) for 3D geo-information production with stereo SAR-optical images. Compared with optical remote sensing data, parameters of the RFM for satellite SAR images are not provided to users in most cases, which increases the workload of users applying the SAR-optical stereo geolocation based on RFM. Moreover, the fitting accuracy of RFM to the Range Doppler (RD) model, which is considered as the rigorous sensor model for SAR imagery, do not always meet the requirements. Therefore, a new RD-RFM stereo geolocation model by integrating the RD model of SAR images with the RFM of optical images are proposed for 3D geo-information reconstruction with SAR-optical stereo image pairs. Experiments are conducted based on dataset from Gaofen-3 (GF-3) SAR satellite and Gaofen-2 (GF-2) optical satellite covering urban and mountainous areas in Xinyi City and Dengfeng City, Henan Province, China, respectively. Results indicated that our proposed model can achieve the best performance with different terrain and different convergence angle of stereo SAR-optical image pairs. Compared with the traditional stereo geolocation model based on the RFM for both SAR and optical data, our proposed model is more concise and efficient for the production of 3D geo-information with stereo SAR-optical image pairs, and it's easy to be implemented for users. INDEX TERMS Rational function model, range doppler model, SAR-optical, stereo geolocation, RD-RFM model.