DSCR Loan for Investment Properties
A DSCR-based loan program for 1-4 unit investment properties that requires no income or employment documentation and allows for the use of projected rents on vacant properties.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- $100,000 – ?
- Documentation
- dscr-only, no-income
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •Accepts third-party appraisals without transfer
- •Supports both short-term and long-term rental properties
- •Uses projected rents for vacant properties
- •No income or employment documentation required
- •Up to 5 points compensation available including YSP
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.