Can I get a DSCR loan with bad credit?

Yes. DSCR loans are available with FICO as low as 600 (some programs lower) at adjusted LTV and rate.

DSCR loans are designed around the property's cash flow rather than the borrower's personal financial profile, which makes them more flexible on credit than conventional investment loans. Most DSCR programs accept FICO down to 660 at standard pricing, with several lenders extending to 640 with higher reserves and 600 in select cases. Below 600, options narrow to specialty lenders only. Lower FICO usually means: (1) lower max LTV - typically 65–70% instead of 75–80%; (2) higher rate, often 0.5–1.5% above the 760-FICO tier; (3) larger origination fees; and (4) tighter DSCR requirements (1.10+ instead of accepting 1.0 or no-ratio). Recent credit events (bankruptcy, foreclosure, late mortgage payments) are evaluated separately from the FICO score itself. Most programs require 24–48 months of seasoning past a bankruptcy or foreclosure before they will lend, regardless of current FICO. The combination of strong DSCR (1.25+), substantial reserves (6+ months), and modest LTV (65–70%) often unlocks pricing that the FICO alone would not.