DSCR Loans
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
- n/a
- Max LTV, rate/term
- n/a
- Max LTV, cash-out
- n/a
- Loan amount
- n/a to n/a
Geography and collateral
- States
- Not published
- Property types
- Single-family, 2-4 units, 5+ 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
- No
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- Not published
- Reserves
- Not published
- Max loans per borrower
- Not published
Terms
- Prepay options
- Not published
- Prepay required
- Not published
- Interest-only
- Not published
- Terms
- Not published
- Rate types
- Not published
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
Very thin public underwriting box. The page states 'A minimum DSCR of 1.2 is typically required, but this may vary based on the lender's criteria' (recorded as minDscr 1.2 but hedged by the lender itself, since Truss brokers to third-party lenders), 'Good credit score (specific score requirements vary)' (no FICO), and 'Support for 1-12 Unit Properties' (mapped to sfr/2_4_unit/5_plus_unit). NOT found: LTVs, loan amounts, states list (17 state-specific DSCR pages exist on the homepage but no stated lending footprint), STR, prepay, IO, terms, reserves, seasoning, FN/ITIN. No matrix PDF exists on the site. entityAllowed/individualAllowed/firstTimeInvestorAllowed are assumed true from silence; allowsSub1Dscr/noRatio/STR/FN/ITIN set false from silence. Two guessed URLs (/loan-programs/dscr and /dscr/) returned 404; web search budget was exhausted so page discovery was by direct URL from the homepage.