DSCR Loan for Investment Properties
An investment property loan program that qualifies based on the higher of the 1007 rent schedule or lease agreement, with asset depletion options for low DSCR.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Minimum DSCR
- -
- Loan amount
- ? – $3,000,000
- Documentation
- dscr-only, asset-depletion
- Property types
- -
- States
- most states
Highlights
- •No reserves required on DSCR loans under $1.5 million
- •Qualify using higher of 1007 rent schedule or lease agreement
- •Use asset depletion to improve low DSCR ratios
- •No seasoning on cash-out or rate/term refinances
- •Use assets to improve DSCR
- •No income or employment verification
- •No seasoning on title for cash out
- •No seasoning for new appraised value
- •Use market rent or lease
- •No reserves required up to $1.5 million
- •100% gift funds allowed
- •Layered LLCs allowed
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 5/20/2026. Not a commitment to lend. NMLS info available on request.