DSCR Loan for Investment Properties
DSCR program for investment properties allowing for true business purpose loans without requiring a license.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 75%
- Minimum DSCR
- -
- Loan amount
- ? – $3,500,000
- Documentation
- dscr-only, no-income
- Property types
- sfr, 2-4-unit, condo
- States
- most states
Highlights
- •True business purpose
- •License not required
- •DSCR Fusion combines rents and assets
- •True DSCR no ratio available
- •Up to 85% LTV
- •No cash-out seasoning required
- •DSCR 85% LTV
- •Lender paid compensation available
- •Business purpose
- •Interest only options available
- •No ratio options available
- •No minimum tradelines with 3 FICO scores
- •75% LTV cash-out on investment 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.