DSCR Loan for Investment Properties
A business purpose DSCR loan for 1-8 unit investment properties that does not require state licensing in most cases. The program features no reserves for loans under $1.5 million and allows for 100% gift funds for down payments.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Minimum DSCR
- 0.75
- Loan amount
- -
- Documentation
- dscr-only
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •No NMLS state license needed for investor deals
- •Close 1-8 unit investment properties
- •Use 1007 or lease for DSCR ratio
- •No seasoning on title or new appraised value
- •100% gift allowed for downpayment
- •No reserves for loans under $1.5 million
- •First time homebuyers allowed
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/9/2026. Not a commitment to lend. NMLS info available on request.