Loan purpose
- Purchase or refinance non-owner-occupied rental property
- Support investors qualifying primarily through property cash flow
- Access eligible cash-out for portfolio growth or investment strategy
DSCR Loans
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Rental-property financing focused on income potential, cash flow, and investment strategy.
Rental Income | Investor-Focused | Cash Flow
Financing for qualified borrowers. Program terms are confirmed in the guidelines below.
Program guidelines
Loan term
- 30-year fixed-rate option
- 5/6 ARM
- 3/6 ARM
- Liquidity check: 3 months of PITIA reserves required
Loan amount
- Maximum loan size under this program: up to $5 million
Loan to value (LTV)
- LTV capped at 80%
Minimum credit score
- 660
Minimum DSCR
- No fixed DSCR floor in published guidelines—cash flow, reserves, and the full file still control approval.
Property type
- Collateral must be non-owner-occupied
Eligible property types
- Single-family residence (SFR)
- 2- to 4-unit residential properties
- PUDs
- Condos
- Townhouses
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
- LLCs
Key features & detail
A concise overview of how this DSCR program is typically structured.
- Designed for non-owner-occupied rental property financing.
- Available for purchase, rate/term refinance, and cash-out refinance scenarios.
- Underwriting primarily evaluates property cash flow and rental performance.
- Fixed-rate and ARM options are available, depending on file profile and market terms.
- Documentation, pricing, and final terms vary by borrower qualifications and property characteristics.
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