Can I get a DSCR loan after a recent bankruptcy?

Yes. Most DSCR programs require 12-24 months from discharge. A few specialty lenders go shorter with rate premium.

DSCR programs typically require 12-24 months of seasoning past a bankruptcy discharge before lending. Standard breakdown: Chapter 7 - 24 months from discharge typical, 12 months at specialty lenders with rate premium. Chapter 13 - 12 months of on-time payments during the plan, or 12 months from discharge. Foreclosure within bankruptcy - uses the later of foreclosure completion or bankruptcy discharge for the seasoning clock. Within seasoning windows, all DSCR programs require: re-established credit (3+ tradelines, 12+ months on-time), no new collections or late payments, and substantial reserves (often 6-12 months PITIA on the new property). Rate premium during seasoning: 0.5-1.5% above standard pricing, with LTV typically capped 5-10% lower than standard. Once past 36 months from discharge, most programs treat the bankruptcy as a non-issue if credit has been clean. Letter of explanation: lenders typically request a brief letter explaining the bankruptcy circumstances. Medical bills and divorce-driven bankruptcies are generally viewed more favorably than discretionary spending bankruptcies.