DSCR Loan Quick Reference — Snapshot | xMortgageBroker.com

DSCR Loan Quick Reference: Everything at a Glance — Overview

This quick reference page gives you the essential DSCR loan stats in one place — credit requirements, LTV limits, DSCR ratios, eligible property types, and more. Bookmark this page and share it with your team. For a deeper dive on any topic, use the navigation links to explore the full DSCR loan section.

Key Benefits

Credit Score

Minimum: 620. Best rates at 680+. Best pricing at 740+. Every 20-point improvement in credit score can meaningfully reduce your rate.

Down Payment and LTV

Minimum 20% down (80% LTV) for purchases. Best rates at 65-70% LTV. Cash-out refinances up to 75-80% LTV on most programs.

DSCR Ratio

Preferred: 1.25x+. Minimum: 1.0x on most programs. Select programs allow 0.75x or No-Ratio (0.50x). Calculated as: Gross Monthly Rent divided by Monthly PITIA.

Property Types

SFR, 2-4 unit, condo, townhome, 5-8 unit (select programs), short-term rentals (select programs). Must be non-owner-occupied investment property.

Loan Amounts

$100,000 minimum. Up to $3,500,000. Jumbo DSCR programs available. Sweet spot for best pricing: $200K-$1.5M.

Income Documentation

None required. No W-2s, tax returns, or pay stubs. Qualification based entirely on the subject property rental income.

Entity Vesting

LLC, LP, corporation, trust accepted. No personal guarantee required on select programs. Close directly in your entity name.

Rate Types

30-year fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM, interest-only options. Rates typically 0.5%-1.5% above conventional investment property rates.

How to Qualify

✓Minimum credit score of 620 (680+ for best rates)
✓Minimum 20% down payment for purchases
✓DSCR ratio of 1.0x+ preferred (No-Ratio programs available)
✓Non-owner-occupied investment property
✓Loan amounts from $100,000 to $3,500,000
✓No personal income documentation required
✓LLC, LP, corporation, or trust vesting accepted
✓Short-term rentals eligible on select programs

Frequently Asked Questions

What is the minimum credit score for a DSCR loan?

620 is the minimum for most programs. 680+ for best rates. 740+ for best pricing.

What is the minimum down payment?

20% (80% LTV) for most purchase programs. Some programs allow up to 85% LTV with strong credit and DSCR.

What DSCR ratio do I need?

1.0x+ is preferred. Some programs allow 0.75x. No-Ratio (0.50x) programs are available for strong borrowers. 1.25x+ gets the best rates.

What property types are eligible?

SFR, 2-4 unit, condo, townhome, 5-8 unit (select programs), short-term rentals (select programs). Must be non-owner-occupied.

How do I get started?

Contact Steve or Zach for a free consultation. We will review your deal, calculate your DSCR, and match you to the best program in our wholesale lender network. No credit pull required for the initial consultation.

Ready to Get Started?

Talk to Steve or Zach today for a free consultation, no credit pull required.

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