DSCR Loans
Program type: dscr
Not yet verifiedAuto-checked Oct 4, 2026
DSCR rules
- Minimum DSCR
- 1.00
- Sub-1.0 DSCR allowed
- Yes
- Sub-1.0 floor
- 0.75
- No-ratio option
- No
- No-ratio max LTV
- n/a
Credit and leverage
- Minimum FICO
- 640
- Max LTV, purchase
- 85%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- 80%
- Loan amount
- $75,000 to n/a
Geography and collateral
- States
- AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI, WV, WY (39)
- Property types
- Single-family, PUD, Townhome, Condo, 2-4 units
- Short-term rentals
- Yes
- STR minimum DSCR
- n/a
- Rural allowed
- Not published
- Max acres
- Not published
- Min square feet
- Not published
Borrower rules
- Entity (LLC) borrowers
- Yes
- Individual borrowers
- Yes
- Foreign nationals
- Yes
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- Not published
- Reserves
- 3 months
- Max loans per borrower
- Not published
Terms
- Prepay options
- 5 yr step-down (5-4-3-2-1), Flat 5%
- Prepay required
- Not published
- Interest-only
- Yes
- Terms
- 30 yr
- Rate types
- 30-yr fixed
Provenance
- Source
- Program page
- Document
- None public
- Source retrieved
- Oct 4, 2026
- Last verified
- Not yet verified by a human
- Auto-checked
- Oct 4, 2026, matched the source
Research notes
Machine-extracted by the source check. Each value was taken from the lender's own pages with a quoted passage; see the change log. Yes/no fields the lender does not address hold the standard defaults.