DSCR Loan
Program type: dscr
DSCR rules
- Minimum DSCR
- n/a
- Sub-1.0 DSCR allowed
- Yes
- Sub-1.0 floor
- n/a
- No-ratio option
- Yes
- No-ratio max LTV
- 75%
Credit and leverage
- Minimum FICO
- 620
- Max LTV, purchase
- 85%
- Max LTV, rate/term
- n/a
- Max LTV, cash-out
- 80%
- Loan amount
- $100,000 to $4,500,000
Geography and collateral
- States
- All 50 states + DC
- Property types
- Single-family, 2-4 units, Condo, Townhome, PUD
- 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
- No
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- 0 months
- Reserves
- Not published
- Max loans per borrower
- Not published
Terms
- Prepay options
- 1-5 yr terms offered, none (buyout at higher rate)
- Prepay required
- No
- Interest-only
- Yes
- Terms
- 30 yr, 40 yr
- Rate types
- 30-yr fixed, 40-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
Found: 'No minimum DSCR requirement' with sub-1.0 funded with reserves/compensating factors (no numeric floor stated, so sub1DscrFloor null); no-ratio program 'Up to 75% LTV with 700+ FICO'; min FICO 620 (740+ for best pricing); loan range $100K-$4.5M in-house with exceptions; '15% down available at 740+ credit' (recorded as 85% max purchase LTV; 20-25% down is typical) and cash-out 'up to 80% LTV'; 1-4 units, condos, townhomes, PUDs, long- and short-term rentals (STR qualified via appraisal market rent, rental history or AirDNA-type data); borrow as individual or US LLC with personal guarantee, also partnership/corporation/S-corp/revocable trust vesting; no investor experience required; 'no-seasoning options available' for cash-out (recorded as 0); prepay typically 1-5 years with penalty-free options; 30-yr fixed, 40-yr fixed, 5-year ARM and 1-year SOFR ARM; interest-only available; lends in all 50 states + DC (licensed in 47 + DC, so a few states may be served differently). NOT found: explicit max rate/term LTV, reserve months (stated only as 'varies'), max loans, rural policy (listed only as 'harder to finance'), ITIN. Foreign national lending is mentioned as a separate Griffin program but not confirmed for DSCR, so foreignNationalAllowed left false. The 5-year ARM and 1-year ARM were not mapped to rateTypes because the reset period is not stated.