DSCR Loan for Investment Properties
DSCR loan program for investment properties that allows for cash-out and rate-and-term refinances on properties previously listed for sale, provided specific prepayment penalty and LTV requirements are met.
Underwriting at a glance
- Minimum FICO
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- Max LTV (purchase / rate-term)
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- Max LTV (cash-out)
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- Minimum DSCR
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- Loan amount
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- Documentation
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- Property types
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- States
- most states
Highlights
- •Allows previously listed properties for refinance
- •Requires minimum 1-year prepayment penalty for rate-and-term refinances
- •Requires 5% LTV reduction from max LTV for cash-out refinances on previously listed properties
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 5/15/2026. Not a commitment to lend. NMLS info available on request.