DSCR Loan Programs

Eight programs designed for real estate investors. No income verification on any of them. Find the one that fits your deal, your property, and your strategy.

Single-family rental home at golden hour with warm sunlight
Most Popular

Standard DSCR

The core DSCR loan. Qualify with rental income, not personal income.

Min DSCR
1.0x
Min Down
20%
Min FICO
660
Max LTV
80%
Best for: Cash-flowing rentals View Details →
Modern luxury home at dusk with glowing interior lights

No-Ratio DSCR

Cash flow negative? Still closeable at 30% down.

Min DSCR
None
Min Down
30%
Min FICO
680
Max LTV
70%
Best for: Negative cash flow deals View Details →
Aerial view of waterfront properties along a tropical coastline

Foreign National DSCR

No US credit history required. No SSN. No US employment.

Min DSCR
1.0x
Min Down
25%
Min FICO
No US Credit
Max LTV
75%
Best for: Non-US investors View Details →
Gold house keys and coins representing lower monthly payments

Interest-Only DSCR

Lower payments. Higher DSCR. More cash flow in your pocket.

Min DSCR
1.0x
Min Down
20%
Min FICO
680
Max LTV
80%
Best for: Cash flow maximizers View Details →
Executive workspace with laptop showing financial charts and bank statements

Bank Statement DSCR

Self-employed? Your bank deposits prove your income.

Min DSCR
0.75x
Min Down
20%
Min FICO
660
Max LTV
80%
Best for: Self-employed investors View Details →
Luxury cabin vacation rental interior with mountain view and warm fireplace

Short-Term Rental DSCR

Airbnb and VRBO income counts. Finance your vacation rental.

Min DSCR
1.0x
Min Down
20%
Min FICO
680
Max LTV
80%
Best for: Airbnb/VRBO operators View Details →
Aerial view of suburban neighborhood with rows of rental homes at golden hour

Portfolio DSCR

One loan. One payment. One close. Finance your entire portfolio.

Min DSCR
1.0x (Agg.)
Min Down
25%
Min FICO
680
Max LTV
75%
Best for: 3+ property bundles View Details →
Before and after renovation of a BRRRR investment property

Bridge-to-DSCR

Buy. Rehab. Rent. Refinance. The full BRRRR cycle financed.

Min DSCR
None / 1.0x
Min Down
15%
Min FICO
660
Max LTV
85%
Best for: BRRRR investors View Details →

Max LTV varies by program guidelines and lender overlays. Bridge-to-DSCR permanent phase max LTV is 80%; bridge phase up to 85% LTC.

COMPARE ALL PROGRAMS

Side-by-Side Comparison

Feature Standard No-Ratio Foreign Nat'l Int-Only Bank Stmt STR Portfolio Bridge
Min DSCR 1.0x None 1.0x 1.0x 0.75x 1.0x 1.0x (agg.) N/A / 1.0x
Min Down 20% 30% 25-30% 20% 20% 20-25% 25% 15%
Min FICO 660 680 N/A 680 660 680 680 660
Max LTV 80% 70% 75% 80% 80% 80% 75% 85% LTC / 80% LTV
Best For Cash-flowing rentals Neg. cash flow Non-US investors Max cash flow Self-employed Airbnb/VRBO 3+ properties BRRRR strategy

Program eligibility and LTV caps vary by lender guidelines and your full scenario. This is not a loan offer or commitment to lend. Your matched specialist will confirm fit and structure your file.

NOT SURE WHICH PROGRAM?

Tell Us About Your Deal

Answer a few questions and we will match you with the right DSCR program and broker for your deal. Takes 2 minutes. No credit pull.

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