i was able to solve this, in the following way:
let $x \in R$ and $d$ be as in the hypothesis; i.e., $\text{rank}(M(x)) \leq n - d$.
fix any entry $(i, j) \in \{0, \ldots , n - 1\} \times \{0, \ldots , n - 1\}$. by Euclidean division, we can re-express the polynomial entry $M_{i, j}(X) = (X - x) \cdot M'_{i, j}(X) + M_{i, j}(x)$, where $M'_{i, j}(X) \in R[X]$ is some arbitrary other polynomial.
now consider the determinant of the resulting matrix $M(X)$, where we write the variant $(X - x) \cdot M'_{i, j}(X) + M_{i, j}(x)$ in each cell $(i, j)$. we get a complicated determinant of binomials. as in the usual binomial theorem, we can "stratify" the result according to how many powers of $(X - x)$ are present. our goal is to show that the entire resulting expression is divisible by $(X - x)^d$. of course we can simply ignore each stratum containing at least $d$ powers of $(X - x)$. the goal is to show that each stratum containing fewer than $d$ powers of $(X - x)$ vanishes.
fix an element $w \in \{0, \ldots , d - 1\}$. the stratum corresponding to the power $(X - x)^w$ has the following representation. for each subset $I \subset \{0, \ldots , n - 1\}$ of cardinality exactly $n - w$, we can go through the full Leibniz expansion, and in each cell take the right summand $M_{i, j}(x)$ exactly when $i \in I$, and the left summand $(X - x) \cdot M'_{i, j}(X)$ otherwise. you can convince yourself that the resulting thing is a polynomial divisible by $(X - x)^w$ times the sum of all $n - w \times n - w$ minors of the specialized matrix $M(x)$ whose row-index set is $I$; we agreed that all of those vanish. now the $(X - x)^w$ stratum is simply the sum of all such things over choice of $I \subset \{0, \ldots , n - 1 \}$ of cardinality $n - w$. this proves the required statement.
there is probably a neater proof of this; will update accordingly