DSCR Loan for Investment Properties
A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 75%
- Minimum DSCR
- -
- Loan amount
- ? – $3,500,000
- Documentation
- dscr-only
- Property types
- sfr, 2-4-unit
- States
- most states
Highlights
- •85% LTV for purchase and rate and term
- •First-time investors allowed
- •Gift funds allowed
- •I/O payment used to qualify
- •Vacant properties allowed up to 70% LTV
- •Less than 1.0 DSCR ratio allowed up to 70% LTV
- •30-year and 40-year interest-only options available
- •Short-term rentals and Airbnb 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 5/22/2026. Not a commitment to lend. NMLS info available on request.