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🔑 Key Benefits
💡 Frequently Asked Questions
Get answers to the most common questions about DSCR loans
What is a DSCR loan?
A loan that qualifies borrowers based on property rental income rather than personal income
What DSCR ratio do I need to qualify?
Most lenders prefer 1.0 or higher, though some accept as low as 0.75
Do I need to provide tax returns or W-2s?
No! Qualification is based solely on the property's rental income potential
What types of properties qualify?
Single-family homes, 2–4 unit properties, condos, condotels, 5–10 unit buildings, and mixed-use properties
What is the maximum loan amount?
DSCR loans are available up to $3 million
How quickly can I close?
As little as 7 days once the appraisal is completed
What down payment is required?
Typically 15-25% depending on lender and loan program
Can I use it for refinancing?
Yes! Available for both purchases and refinances including cash-out
What is the maximum LTV?
Up to 85% LTV on purchases and up to 75% LTV on cash-out refinances. Max LTV may vary by lender and is impacted by factors such as credit score, reserves, loan term, etc.