DSCR Loan for Investment Properties
A flexible investment property loan program that allows for negative DSCR ratios, high leverage, and the use of asset depletion to qualify, with options for ITIN and foreign national borrowers.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 75%
- Minimum DSCR
- 0.75
- Loan amount
- ? – $2,000,000
- Documentation
- dscr-only, asset-depletion
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •Negative DSCR (0.75 to 0.99) eligible
- •No reserves required up to $1.5M
- •100% gift funds allowed
- •No seasoning on title or cash-out
- •Vacant property cash-out refinance eligible
- •ITIN and Foreign National borrowers eligible
- •Use higher of lease vs market rents
- •Recently listed properties eligible
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 5/10/2026. Not a commitment to lend. NMLS info available on request.