DSCR Loans for 1–4 Unit Investment Properties

Investment property loans for 1-4 unit properties based on Debt Service Coverage Ratio

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Series Z _(≥0.75)

Series 1 _{(No Ratio)}

Series 2 _(≥0.75)

Series 3 _(≥0.75)

Series 4 _(≥0.80)

Series 5 _(≥0.75)

Series 6 _{(No Ratio)}‍

Series 7 _(≥1.00)

Series 8

DSCR (1-4)

About program

DSCR (Debt Service Coverage Ratio) loans measure property cash flow rather than the borrower’s personal income. For 1-4 unit properties, the lender focuses on rental income to cover the monthly mortgage payment. If the rental income meets or exceeds the mortgage payment (DSCR ≥ 1.0), borrowers can qualify with minimal personal income documentation.

Min 620 FICO – Up to 80% LTV

Key features

No deposit sourcing
No minimum DSCR ratio up to 75% LTV
No tradeline requirement w/ 3 credit scores
2 months reserves
Cash-out used for reserves
AIR DNA & STR income accepted
Loan amounts up to $5m for preferred brokers
Rural up to 20 acres allowed

Required to Disclose

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Submission form completed

Copy of lease agreement(s)

(if applicable)

Copies short term income statement(s)

(if applicable)

Required to Underwrite
(in addition to above)

Credit report

(cannot be older than 60 days) - must be merged into the LOS.

Borrowers' ID

(passport or driver's license).

Purchase contract

(if applicable)

Submission form completed

Copy of lease agreement(s)

(if applicable)

Copies short term income statement(s)

(if applicable)

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FAQ

Other programs

Standard Doc

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
Non-perm up to 90% LTV
DTI up to 55%
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m
Loan amounts up to $5m for preferred brokers

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Bank Statements

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
50% standard expense
Min 10% expense with accountant letter
Non-perm up to 90% LTV
Unlimited cash-in-hand
SFR, condotels, condos, studios, 2-4
Loan amounts up to $4m
Loan amounts up to $5m for preferred brokers

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Profit & Loss Only

Min 660 FICO – Up to 80% LTV

No tradeline requirement w/ 3 credit scores
No bank statements
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, studios, 2-4
Loan amounts up to $3m
CPA, EA, CTEC, PTIN

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Asset Utilization

Min 640 FICO – Up to 85% LTV

No tradeline requirement w/ 3 credit scores
Non-perm up to 80% LTV
Unlimited cash-in-hand
SFR, condotels, condos, studios, 2-4
Loan amounts up to $3.5m
Loan amounts up to $5m for preferred brokers
100% of checking, savings, money market
70% of stocks, bonds, mutual funds

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Foreign National

No FICO or 680 – Up to 80% LTV

Bank statement and P&L up to 80% LTV
DSCR ≥ 1 up to 75% LTV
No deposit sourcing
No credit reference letters
No asset seasoning in US account
No visa
Loan amounts up to $2m
No 3rd party primary address verification

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1099 Only

Min 620 FICO – Up to 90% LTV

No tradeline requirement w/ 3 credit scores
12/24 month average minus expense ratio
Non-perm up to 80% LTV
Unlimited cash-in-hand
3 months cash-out seasoning allowed
Cash-out used for reserves
Loan amounts up to $4m
Loan amounts up to $5m for preferred brokers

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DSCR (5–8 units & 2–8 mixed use)

Min 700 FICO – Up to 75% LTV

No deposit sourcing
Min DSCR of 1
No tradeline requirement w/ 3 credit scores
$1m cash in hand
Cash-out up to 65% LTV
Commercial space <50% allowed
Loan amounts up to $2m
Non perms up to 75% LTV

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Cross Collateral

Min 660 FICO – Up to 70% LTV

No deposit sourcing
Min DSCR of 1.2
No tradeline requirement w/ 3 credit scores
Unlimited cash-in-hand
Minimum per property balance $50k
Minimum of 3 properties
Maximum of 25 properties
Cash-out up to 65% LTV

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WVOE Only

Min 660 FICO – Up to 80% LTV

No tradeline requirement w/ 3 credit scores
No tax return, W2, or paystubs
Non-perm up to 80% LTV
Unlimited cash-in-hand
Cash-out used for reserves
SFR, condotels, condos, 2-4
Loan amounts up to $3m
2 months bank statements required

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Closed End Second

Min 660 FICO – Up to 90% CLTV

Cash-out used for reserves
Loan amounts up to $500k
Loan amounts up to $750k case by case
Combined loan amount up to $5m
Standard doc, bank statements, P&L, WVOE, & 1099 income types
Primary, second homes, and investment
AVM only for loan amounts <$400k
Non-permanent residents allowed

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DSCR Loans for 1–4 Unit Investment Properties

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DSCR 1-4 Loan Program

Standard Doc

Bank Statements

Profit & Loss Only

Asset Utilization

Foreign National

1099 Only

DSCR (5–8 units & 2–8 mixed use)

Cross Collateral

WVOE Only

Closed End Second

DSCR Loans for 1–4 Unit Investment Properties

Have a scenario to discuss? Connect with an Account Executive.

Thank you!

Oops, Something Went Wrong!

DSCR 1-4 Loan Program

Standard Doc

Bank Statements

Profit & Loss Only

Asset Utilization

Foreign National

1099 Only

DSCR (5–8 units & 2–8 mixed use)

Cross Collateral

WVOE Only

Closed End Second

Have a scenario to discuss?
Connect with an Account Executive.