Is spousal consent required for a DSCR loan?

In community-property states (CA, AZ, NV, TX, WA, ID, NM, LA, WI), yes - the non-borrowing spouse must sign consent. Title-only signature, not on the note.

Spousal consent on a DSCR loan depends on the state. In community-property states (California, Arizona, Nevada, Texas, Washington, Idaho, New Mexico, Louisiana, Wisconsin), the non-borrowing spouse is required to sign a spousal consent or "non-borrowing spouse" acknowledgment at closing, even if they are not on the loan. The spouse signs the deed of trust / mortgage to acknowledge the lien on the marital property, but not the promissory note - they are not personally liable for the debt. In common-law states, spousal consent is generally not required for an investment-property loan unless the property is held jointly or in tenancy by the entirety. LLC-vested DSCR loans complicate this slightly: even in non-community-property states, if the LLC has a single member who is married, some lenders require the spouse to sign a personal guarantee or acknowledgment. The cleanest path: if you are married and the loan or property is in your name, expect to obtain spousal consent regardless of state, and have the spouse available at closing.