DSCR Loan Programs
Choose from our flexible DSCR loan programs designed for different investment strategies and property types. Programs, pricing, leverage, and documentation are determined by the wholesale lender after review.
No Income Verification
Timeline Varies by Lender
Up to 80% LTV
Multiple Property Types
Compare Loan Programs
Find the perfect DSCR loan program that matches your investment strategy and property portfolio.
Most Popular
Standard DSCR
Our most popular program for experienced investors
7.25%
Starting Rate
80%
Max LTV
1.2
Min DSCR
30 years
Max Term
$100K - $3M
Loan Range
Features
- No income verification
- Cash-out refinance available
- Multiple property types
- No seasoning requirements
- Interest-only options
Requirements
- Investment properties only
- Minimum 1.2 DSCR
High LTV DSCR
Maximize leverage with higher loan-to-value ratios
7.50%
Starting Rate
85%
Max LTV
1.3
Min DSCR
30 years
Max Term
$150K - $2M
Loan Range
Features
- Up to 85% LTV (subject to program eligibility)
- No personal income verification
- Streamlined process
- Rates and terms set by the wholesale lender
- Flexible terms
Requirements
- Higher DSCR required
- Limited property types
Portfolio DSCR
Designed for investors with multiple properties
7.00%
Starting Rate
75%
Max LTV
1.25
Min DSCR
30 years
Max Term
$250K - $5M
Loan Range
Features
- Portfolio pricing discounts
- Cross-collateralization options
- Bulk processing
- Dedicated account manager
- Priority processing
Requirements
- Minimum 3 properties
- Higher loan amounts
Property Types We Finance
Our DSCR loan programs support a wide range of investment property types, each with tailored terms and requirements.
Single Family Homes
1-4 unit residential properties including condos and townhomes
80%
Max LTV
1.2
Min DSCR
- Broad lender fit
- Streamlined review
- Strong-pricing scenarios
Multi-Family
5+ unit apartment buildings and multi-family complexes
75%
Max LTV
1.25
Min DSCR
- Portfolio pricing
- Higher loan amounts
- Commercial terms
Commercial
Office buildings, retail spaces, and mixed-use properties
70%
Max LTV
1.3
Min DSCR
- Flexible amortization
- Interest-only options
- Custom terms
Land & Development
Raw land and development projects with income potential
65%
Max LTV
1.4
Min DSCR
- Construction-to-perm
- Phased funding
- Specialized underwriting
Qualification Requirements
Understanding common lender requirements helps organize the file before wholesale-lender review.
Financial Requirements
- Minimum DSCR of 1.2 (varies by program)
- Down payment of 20-35% depending on LTV
- 6 months of reserves (PITIA payments)
- Minimum credit score of 620
- No recent bankruptcies or foreclosures
Documentation Needed
- Purchase contract or property appraisal
- Rent roll or lease agreements
- Property insurance quote
- Property tax information
- Bank statements (2 months)
Property Requirements
- Investment property only (no owner-occupied)
- Property must be in good condition
- Clear title with no liens
- Adequate rental income potential
- Compliance with local zoning laws
Timeline & Process
- Initial broker scenario review timing varies by file
- Application processing depends on complete borrower and property documentation
- Underwriting timing is determined by the wholesale lender
- Closing timing depends on appraisal, title, lender review, and market conditions
- Rate-lock availability is determined by the wholesale lender