There is no single universal DSCR guideline
DSCR is a category of business-purpose investor financing offered by many different lenders. Credit, leverage, reserves, property eligibility, rent calculations and documentation can vary materially by lender.
Start with the deal, not a headline
A guideline such as “20% down,” “85% LTV,” “no-ratio,” or “no seasoning” may exist with a select program without being available for every borrower or property. LoanFight presents these as lender-specific possibilities, not guaranteed terms.
When equity does more of the work
Some investor programs can proceed below a 1.00 DSCR or without a minimum DSCR test. Reduced leverage is usually the tradeoff: examples may include roughly 65% LTV in the 620 credit range and, with certain programs below 50% LTV, no stated minimum credit score. Availability and pricing remain lender specific.
What to have ready
- Property address and type
- Purchase price or estimated value
- Expected or current monthly rent
- Requested loan amount / equity goal
- Approximate credit profile
- Investor experience and entity information
For the full explanation, examples and related topics, visit the DSCR Loan Guide or use the DSCR Calculator.
Tell Us About Your Deal →Educational information only. Eligibility varies by lender and scenario.