DSCR loan requirements

What it takes to qualify for a DSCR loan, compiled from the guidelines lenders publish themselves. Every number below is a count of real programs, with the lender-by-lender table at the bottom. Requirements differ by lender, so the ranges matter more than any single figure.

Lenders

41 DSCR programs

600

Lowest credit score

most common 660

0.75

Lowest DSCR accepted

28 programs go below 1.00

15%

Lowest down payment

85% max LTV

$50k

Smallest loan

No-ratio programs

no DSCR test

Credit score

Of 41 DSCR programs, 35 publish a minimum credit score. The lowest is 600, the highest is 700, and 660 is the most common. A program's lowest score usually comes with a lower maximum LTV.

Minimum FICO	Programs
600	1
620	7
640	5
650	2
660	14
680	4
700	2
Not published	6

DSCR ratio

DSCR is monthly rent divided by the monthly payment including taxes, insurance and HOA. 22 of 41 programs publish a standard minimum, most often 1.00. Calculate yours.

Standard minimum DSCR	Programs
0.75	2
0.80	1
1.00	16
1.05	1
1.20	1
1.30	1
Not published	19

28 programs also accept a ratio below 1.00, down to 0.75, and 11 offer a no-ratio option. Lenders that publish only an "as low as" figure are counted under the sub-1.00 floor, not as a standard minimum.

Down payment and maximum LTV

39 of 41 programs publish a maximum loan-to-value for a purchase. The highest is 85%, which means 15% down, and 80% is the most common. These are best-case figures; the maximum drops with a lower credit score or DSCR.

Max LTV, purchase	Programs
55% (45% down)	1
70% (30% down)	2
75% (25% down)	2
80% (20% down)	26
85% (15% down)	8
Not published	2

For a cash-out refinance the highest published LTV is 80%, and 75% is the most common.

Loan amount

34 of 41 programs publish a minimum loan amount, from $50k to $500k. $100k is the most common.

Minimum loan	Programs
$50k	3
$55k	2
$70k	1
$75k	8
$85k	3
$100k	9
$125k	3
$150k	4
$500k	1
Not published	7

32 programs publish a maximum loan, from $1.5M to $5M. An open-ended figure such as "$3M+" is not counted as a maximum.

Cash reserves

19 of 41 programs publish a reserve requirement, counted in months of the full payment. Published figures run from 0 to 12 months.

Months of payments	Programs
0 months	3
2 months	1
3 months	8
6 months	5
12 months	2
Not published	22

Who and what qualifies

How many of the 41 programs state each of these as eligible. A program that does not address a point is not counted, so the real number can be higher; confirm with the lender.

Borrowers and features	Programs
Short-term rentals	28 of 41
Foreign nationals	14 of 41
ITIN borrowers	4 of 41
Interest-only option	27 of 41

Property types	Programs
Single-family	38 of 41
2-4 units	38 of 41
Condo	31 of 41
Townhome	15 of 41
PUD	14 of 41
5+ units	14 of 41
Mixed use	5 of 41

Requirements by lender

StateSearch

Only show Sub-1.0 or no-ratio Short-term rentals Foreign nationals First-time investors

41 of 41 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
Angel Oak Mortgage Solutions Foreign National (DSCR qualification)	1.00	—	70%	—	$100k	$1.5M	Auto-checked Oct 2026	FNFootprint n/p
Asset Based Lending DSCR Rental Loans	1.00	660	80%	—	$85k	$2.5M	Auto-checked Oct 2026	STR43 states
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
CoreVest Finance Short-Term Rental Loan	—	—	70%	—	$500k	—	Auto-checked Oct 2026	STR47 states
Defy Mortgage DSCR Loans	1.00 (<1.0 ok)	640	85%	80%	$75k	—	Auto-checked Oct 2026	STRFN39 states
Dominion Financial Services DSCR Rental Loans	—	660	80%	75%	—	—	Auto-checked Oct 2026	STR50 states
Easy Street Capital EasyRent DSCR	<1.0 ok	640	80%	75%	$100k	$3.5M	Auto-checked Oct 2026	STRFN49 states
Express Capital Financing DSCR Loans	1.00	650	85%	75%	$50k	$3M	Auto-checked Oct 2026	FNNo-ratio49 states
Griffin Funding DSCR Loan	No ratio	620	85%	80%	$100k	$4.5M	Auto-checked Oct 2026	STRNo-ratio51 states
HomeXpress Mortgage InvestorX 5-8 Unit DSCR	—	700	—	—	—	—	Auto-checked Oct 2026	Footprint n/p
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
Lima One Capital Rental30 (Single Family Rental, 1-4 units)	1.00	660	80%	75%	$85k	$2.5M	Auto-checked Oct 2026	FN47 states
Lima One Capital Short-Term Rental Loan	1.30	700	75%	70%	$75k	$2.5M	Auto-checked Oct 2026	STR47 states
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
MoFin Lending Rental Loan	—	680	80%	80%	$150k	$2M	Auto-checked Oct 2026	STR37 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
RCN Capital Long-Term Rental (DSCR)	1.00	660	80%	75%	$70k	$1.5M	Auto-checked Oct 2026	Footprint 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
Ridge Street Capital DSCR Loan Program Long Term Rental	1.00	660	80%	75%	$55k	$2M	Auto-checked Oct 2026	36 states
Roc Capital Single Property Rental	1.05	660	80%	75%	$75k	$2M	Auto-checked Oct 2026	FN48 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
Visio Lending Visio DSCR Rental Loan	—	680	80%	—	$75k	—	Auto-checked Oct 2026	STRFootprint n/p

Loading requirements

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Match my deal

Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.

Minimum FICO

Programs

600

620

640

650

660

680

700

Not published

DSCR ratio

DSCR is monthly rent divided by the monthly payment including taxes, insurance and HOA. 22 of 41 programs publish a standard minimum, most often 1.00. Calculate yours.

Standard minimum DSCR

Programs

0.75

0.80

1.00

1.05

1.20

1.30

Not published

Down payment and maximum LTV

Max LTV, purchase

Programs

55% (45% down)

70% (30% down)

75% (25% down)

80% (20% down)

85% (15% down)

Not published

For a cash-out refinance the highest published LTV is 80%, and 75% is the most common.

Minimum loan

Programs

$50k

$55k

$70k

$75k

$85k

$100k

$125k

$150k

$500k

Not published

Months of payments

Programs

0 months

2 months

3 months

6 months

12 months

Not published

Who and what qualifies

How many of the 41 programs state each of these as eligible. A program that does not address a point is not counted, so the real number can be higher; confirm with the lender.

Borrowers and features	Programs
Short-term rentals	28 of 41
Foreign nationals	14 of 41
ITIN borrowers	4 of 41
Interest-only option	27 of 41

Property types	Programs
Single-family	38 of 41
2-4 units	38 of 41
Condo	31 of 41
Townhome	15 of 41
PUD	14 of 41
5+ units	14 of 41
Mixed use	5 of 41

Requirements by lender

StateSearch

Only show Sub-1.0 or no-ratio Short-term rentals Foreign nationals First-time investors

41 of 41 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
Angel Oak Mortgage Solutions Foreign National (DSCR qualification)	1.00	—	70%	—	$100k	$1.5M	Auto-checked Oct 2026	FNFootprint n/p
Asset Based Lending DSCR Rental Loans	1.00	660	80%	—	$85k	$2.5M	Auto-checked Oct 2026	STR43 states
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
CoreVest Finance Short-Term Rental Loan	—	—	70%	—	$500k	—	Auto-checked Oct 2026	STR47 states
Defy Mortgage DSCR Loans	1.00 (<1.0 ok)	640	85%	80%	$75k	—	Auto-checked Oct 2026	STRFN39 states
Dominion Financial Services DSCR Rental Loans	—	660	80%	75%	—	—	Auto-checked Oct 2026	STR50 states
Easy Street Capital EasyRent DSCR	<1.0 ok	640	80%	75%	$100k	$3.5M	Auto-checked Oct 2026	STRFN49 states
Express Capital Financing DSCR Loans	1.00	650	85%	75%	$50k	$3M	Auto-checked Oct 2026	FNNo-ratio49 states
Griffin Funding DSCR Loan	No ratio	620	85%	80%	$100k	$4.5M	Auto-checked Oct 2026	STRNo-ratio51 states
HomeXpress Mortgage InvestorX 5-8 Unit DSCR	—	700	—	—	—	—	Auto-checked Oct 2026	Footprint n/p
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
Lima One Capital Rental30 (Single Family Rental, 1-4 units)	1.00	660	80%	75%	$85k	$2.5M	Auto-checked Oct 2026	FN47 states
Lima One Capital Short-Term Rental Loan	1.30	700	75%	70%	$75k	$2.5M	Auto-checked Oct 2026	STR47 states
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
MoFin Lending Rental Loan	—	680	80%	80%	$150k	$2M	Auto-checked Oct 2026	STR37 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
RCN Capital Long-Term Rental (DSCR)	1.00	660	80%	75%	$70k	$1.5M	Auto-checked Oct 2026	Footprint 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
Ridge Street Capital DSCR Loan Program Long Term Rental	1.00	660	80%	75%	$55k	$2M	Auto-checked Oct 2026	36 states
Roc Capital Single Property Rental	1.05	660	80%	75%	$75k	$2M	Auto-checked Oct 2026	FN48 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
Visio Lending Visio DSCR Rental Loan	—	680	80%	—	$75k	—	Auto-checked Oct 2026	STRFootprint n/p