DSCR Loan Program
DSCR Loan Requirements & Max LTV Matrix
Maximum loan-to-value (LTV) by DSCR tier for investment property loans. Rates and eligibility vary by credit score, property type, and reserves. Up to 85% LTV is available for borrowers with a DSCR of 1.00 or higher.
| Tier | DSCR Range | Purchase (Max LTV) | Rate/Term Refi | Cash-Out Refi |
|---|---|---|---|---|
| Strong DSCR | ≥ 1.25 | 85% | 85% | 80% |
| Standard DSCR | 1.00 – 1.24 | 85% | 85% | 75% |
| Sub-1.0 DSCR | 0.75 – 0.99 | 80% | 75% | 70% |
| No-Ratio | < 0.75 or no lease | 75% | 70% | 65% |
Baseline Requirements
- • Minimum credit score: 620 (higher for max LTV)
- • Property types: SFR, 2–4 unit, condo, condotel, short-term rental
- • Loan amounts: $100,000 – $3,500,000
- • Reserves: 3–6 months PITIA depending on tier
- • Interest-only options available
- • No personal income or employment verification
- • Vesting: LLC or individual
How DSCR Is Calculated
DSCR = Gross Monthly Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, and Association dues). Rent is supported by an appraiser's 1007 rent schedule or the executed lease, whichever is used per program guidelines.
Run the DSCR Analyzer →Guidelines shown are for illustration and subject to change without notice. Final eligibility and pricing depend on full underwriting review, credit profile, property type, occupancy, reserves, and current investor overlays. Not a commitment to lend. Beacon Lending · NMLS #244003 · Equal Housing Lender.