DSCR Loan for Investment Properties
DSCR loan program for investment properties featuring expanded eligibility for first-time homebuyers and no sourcing required for large deposits.
Underwriting at a glance
- Minimum FICO
- 700+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Minimum DSCR
- 1
- Loan amount
- ? – $1,500,000
- Documentation
- dscr-only
- Property types
- -
- States
- most states
Highlights
- •Expanded eligibility for first-time homebuyers
- •Large deposits do not require sourcing
- •Max $1.5 million loan amount for first-time homebuyers
- •12-month housing payment history required for first-time homebuyers
- •No sourcing required for large deposits
- •Rural properties eligible up to 80% LTV
- •12-month housing payment history required for first-time buyers
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 5/11/2026. Not a commitment to lend. NMLS info available on request.