DSCR Rental Loan
Program type: dscr
DSCR rules
- Minimum DSCR
- n/a
- 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
- Not published
- Max LTV, purchase
- 80%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- 75%
- Loan amount
- $85,000 to $2,000,000
Geography and collateral
- States
- All except Alaska, Nevada, North Dakota, South Dakota (47)
- Property types
- Single-family, 2-4 units, Condo, Townhome
- 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
- No
- Foreign nationals
- No
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- 3 months
- Reserves
- Not published
- Max loans per borrower
- Not published
Terms
- Prepay options
- 0-5 yr options (5 yr down to no prepay)
- Prepay required
- No
- 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
Found: DSCR 'as low as 0.75'; up to 80% LTV for purchases and refinances, up to 75% LTV cash-out; loan amounts $85,000-$2,000,000; not lending in Alaska, Nevada, North Dakota, South Dakota; SFR, 2-4 unit, condos, townhouses (non-owner-occupied); STR/Airbnb/VRBO-style properties supported; 30-year fixed plus 5/1 and 10/1 ARMs; interest-only available; 90-day cash-out seasoning (recorded as 3 months); prepay options from 0 to 5 years; no tax returns/W2s; complimentary 45-day rate lock. FAQ states LendingOne 'only works with LLCs, Limited Partnerships, General Partnerships, Corporations and Revocable Trusts', so individualAllowed is false. NOT found: minimum FICO, reserves, no-ratio option, STR-specific DSCR, rural policy, foreign national/ITIN, max loan count. firstTimeInvestorAllowed set true because the site markets an 'Emerging Investors' segment, but no explicit statement about zero-experience borrowers was found. The 5/1 and 10/1 ARMs were not mapped to rateTypes because the vocabulary only has 6-month-reset ARMs.