DSCR Loan for Investment Properties
A DSCR investment property loan that allows for asset utilization to meet qualifying requirements, suitable for investors who need higher LTV options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 70%
- Minimum DSCR
- 1.15
- Loan amount
- ? – $2,500,000
- Documentation
- dscr-only, asset-depletion
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •Up to 80% LTV on purchase and rate/term
- •Asset utilization allowed to meet qualifying DSCR
- •Requires at least one experienced investor borrower
- •Eligible assets include checking, savings, stocks, bonds, and retirement accounts
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 5/19/2026. Not a commitment to lend. NMLS info available on request.