DSCR Loan Requirements
What DSCR programs usually look for, and how the ratio itself is calculated.
The ratio
DSCR = monthly rent ÷ monthly payment (PITIA)
PITIA is principal, interest, taxes, insurance and association dues. A ratio of 1.0 means the rent exactly covers the payment. Above 1.0, the rent covers it with room to spare.
Requirements (via Licensed Partner)
620+ Minimum Credit Score | 20–25% Down Payment | 1.0x+ Target DSCR (Flexible options available down to 0.75 DSCR)
What's not required
DSCR programs usually don't use tax returns, W-2s, pay stubs or employment verification to qualify you.
Final terms are set by licensed lending partners and vary by program. Try the DSCR calculator.
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