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DSCR Loans with Credit in the 620 to 660 Range

A lower score doesn't always rule you out, but it usually changes the terms.

What to expect

  • Fewer programs to choose from
  • Stronger reserves may be required

Ways to strengthen the file

  • A property with a ratio comfortably above 1.0
  • A larger down payment
  • Paying down revolving balances before applying
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