DSCR programs that state they accept a ratio under 1.00, where rent does not fully cover the payment. The floor column shows how low each one goes; expect a lower maximum LTV or a higher credit score at that level.
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Enter the rest of the deal to see which of these programs it fits.
Match my dealData last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.
28 of 28 programs. Click a column to sort; unpublished values (—) sort last. State filter only matches programs with a published footprint.
| Also takes | ||||||||
|---|---|---|---|---|---|---|---|---|
| A&D Mortgage DSCR | No ratio | 620 | 80% | 75% | $75k | $3.5M | Auto-checked Oct 2026 | STRNo-ratio49 states |
| A&D Mortgage Foreign National DSCR | <1.0 ok | 660 | 75% | 70% | $75k | $3M | Auto-checked Oct 2026 | FN49 states |
| American Heritage Lending DSCR Rental Loans | No ratio | 660 | 85% | — | — | — | Auto-checked Oct 2026 | STRFNNo-ratioFootprint n/p |
| Angel Oak Mortgage Solutions DSCR Loan (Investor Cash Flow) | No ratio | 680 | 85% | — | $100k | $3M | Auto-checked Oct 2026 | STRNo-ratioFootprint n/p |
| Carrington Wholesale Carrington Investor Advantage (DSCR) | 1.00 (<1.0 ok) | 620 | 85% | 75% | $100k | $3M | Auto-checked Oct 2026 | STRNo-ratio51 states |
| Champions Funding Accelerator DSCR 1-4 Unit | 1.00 (<1.0 ok) | 600 | 80% | 75% | $100k | $3M | Auto-checked Oct 2026 | STRNo-ratio49 states |
| Champions Funding Equity First DSCR | No ratio | — | 55% | 55% | $125k | $1.5M | Auto-checked Oct 2026 | FNNo-ratio37 states |
| CoreVest Finance 30-Year DSCR Loan (Single Rental) | 0.80 (<1.0 ok) | 640 | 80% | — | $75k | — | Auto-checked Oct 2026 | FN47 states |
| Defy Mortgage DSCR Loans | 1.00 (<1.0 ok) | 640 | 85% | 80% | $75k | — | Auto-checked Oct 2026 | STRFN39 states |
| Easy Street Capital EasyRent DSCR | <1.0 ok | 640 | 80% | 75% | $100k | $3.5M | Auto-checked Oct 2026 | STRFN49 states |
| Griffin Funding DSCR Loan | No ratio | 620 | 85% | 80% | $100k | $4.5M | Auto-checked Oct 2026 | STRNo-ratio51 states |
| HomeXpress Mortgage InvestorX DSCR (1-4 unit) | No ratio | 620 | 80% | 80% | — | $2.5M | Auto-checked Oct 2026 | STRFNNo-ratioFootprint n/p |
| Kiavi Kiavi DSCR Rental Loan | <1.0 ok | — | 80% | — | $75k | $2M | Auto-checked Oct 2026 | Footprint n/p |
| Lendency DSCR Loans | 1.20 (<1.0 ok) | 660 | 80% | 75% | $50k | $2M | Auto-checked Oct 2026 | STR30 states |
| LendingOne DSCR Rental Loan | <1.0 ok | — | 80% | 75% | $85k | $2M | Auto-checked Oct 2026 | STR47 states |
| Lendz Financial DSCR (1-4) | No ratio | 620 | 85% | — | — | $5M | Auto-checked Oct 2026 | STRNo-ratioFootprint n/p |
| Logan Finance Legacy DSCR | 1.00 (<1.0 ok) | 680 | 80% | 75% | $125k | $2M | Auto-checked Oct 2026 | Footprint n/p |
| Logan Finance Open Road DSCR | 1.00 (<1.0 ok) | 660 | 80% | 75% | $150k | $3M | Auto-checked Oct 2026 | STRFootprint n/p |
| Luxury Mortgage Corp. Simple Access - Investor Cash Flow (DSCR) | 1.00 (<1.0 ok) | 620 | 80% | 75% | $150k | $4M | Auto-checked Oct 2026 | STR48 states |
| Nations Direct Mortgage Non-QM Express DSCR | 1.00 (<1.0 ok) | 660 | 80% | 75% | $100k | $3.5M | Auto-checked Oct 2026 | STR45 states |
| New Silver DSCR Rental Loans | <1.0 ok | 660 | 80% | — | $150k | $3M | Auto-checked Oct 2026 | STR51 states |
| Newfi Wholesale Sequoia DSCR | 1.00 (<1.0 ok) | 640 | 80% | 80% | $125k | $3M | Auto-checked Oct 2026 | STRFootprint n/p |
| Nextres DSCR Rental Loans | 1.00 (<1.0 ok) | 620 | 80% | 75% | $100k | — | Auto-checked Oct 2026 | STR48 states |
| Park Place Finance Rental Loan Program | <1.0 ok | 660 | 85% | 75% | $100k | $5M | Auto-checked Oct 2026 | STRFootprint n/p |
| RBI Private Lending DSCR/Rental | 0.75 (<1.0 ok) | 640 | 80% | — | — | $3M | Auto-checked Oct 2026 | STRFNFootprint n/p |
| Rental Home Financing 30/30 Single Property Loan | 1.00 (<1.0 ok) | 650 | 80% | 75% | $50k | $3M | Auto-checked Oct 2026 | FN44 states |
| Temple View Capital DSCR Rental Loan Program | 0.75 (<1.0 ok) | 660 | 80% | — | $55k | $2.5M | Auto-checked Oct 2026 | STRFNNo-ratio48 states |
| Truss Financial Group DSCR Loans | <1.0 ok | — | — | — | — | — | Auto-checked Oct 2026 | STRFootprint n/p |