I have RB2011UiAS-2HnD-IN with LAN PCs behind NAT and two uplinks with static IPs. I don’t need load-balancing, only fail-over, i.e. when one ISP fails (link down, no replies from default GW, no internet, etc) router should switch default gw and out interface in masquerade rule to other ISP and vice versa.
src-nat follow AFTER routing decision. No need to decide in nat rules, which interface should transmit traffic - it’s already decided. So, just make nat on both (WAN1 and WAN2) interfaces and that’s all.