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No Ratio DSCR Loan

  • Modified Date: 03/31/2025 || Published Date:

The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000.

Investor Income Documentation Does Not Apply

Notably, personal income verification isn’t required, and cash-out options can be used for any reserve requirements.

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DSCR Mortgage Loan Program Highlights:

Credit Score: Minimum required credit score is 600

Loan-to-Value (LTV) Ratio: Maximum LTV is 85%

Loan Amount: The loan must be between $200,000 and $3,000,000

Income Verification: Personal income is not required to qualify

First-time homebuyers OK, 75% max LTV.

Cash-out funds can be used as reserves

No Ratio Option: There is a no ratio option available, which means debt service coverage ratio (DSCR) requirements can be waived.

This special DSCR mortgage loan program serves the needs of investors without existing experience in property ownership.

Non-Owner-Occupied Only

Alternative Income Documentation

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