DSCR Loan for Investment Properties
A DSCR investment property loan program offering up to 80% LTV for cash-out refinances, with specific requirements for rural properties and seasoning.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 80%
- Minimum DSCR
- -
- Loan amount
- -
- Documentation
- dscr-only
- Property types
- -
- States
- most states
Highlights
- •80% LTV available for cash-out transactions
- •6 month seasoning requirement for new appraised value
- •75% max LTV for rural properties
- •Minimum 1 year prepayment penalty required for refinances
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 5/15/2026. Not a commitment to lend. NMLS info available on request.