How fast can a DSCR loan close?

Clean files close in 14–21 days. Typical timeline 21–30 days. Title and appraisal are usually the bottleneck, not loan underwriting.

DSCR loan closing speed depends on file completeness, property complexity, and title status. Clean owner-occupied flips of investment property in non-judicial states close fastest - 14 days is achievable with all documents pre-staged. Typical purchase or rate-term refinance: 21–30 days. Cash-out refinance with title work: 25–40 days. Multi-property blanket loans: 40-60 days. Critical path items: (1) appraisal - order day 1 to allow 7-14 days for completion; (2) title - start day 1 to clear judgments, prior liens, and tax issues; (3) condo/HOA questionnaire - request immediately, can take 7-14 days for the HOA to return; (4) insurance binder - needed by underwriting before clear-to-close; (5) entity documents - pre-stage LLC, certificate of good standing, operating agreement. Cosmetic delays usually trace to slow appraisals (rural areas), HOAs (resort condos especially), or title issues (probate, divorce decree clearance, mechanic's liens).