DSCR Loan Requirements: Rent, Credit, LTV, and Property

Prepare a DSCR loan request with rental income, PITIA, property value, credit information, and purchase or refinance details.

Immediate answer

A DSCR loan review combines property cash flow with borrower credit, requested financing, property eligibility, and transaction details. A strong rent estimate alone does not determine approval.

Start with qualifying rent and PITIA

For the residential rental calculation used here, divide monthly qualifying rent by principal, interest, taxes, insurance, and association dues. For example, $2,500 rent divided by $2,000 PITIA is 1.25x. The program determines which lease or appraisal rent evidence applies.

Credit and loan-to-value

FundFastr’s published standard DSCR snapshot lists a 640 minimum credit score and up to 85% LTV. These are program parameters, not an approval promise. Available financing depends on the borrower, property, transaction, and current underwriting requirements.

Purchase versus refinance

Purchase: provide the contract, price, property details, and expected rent
Refinance: provide current debt, value, ownership history, and rental information
Cash-out: identify the requested proceeds and business purpose
All structures: confirm taxes, insurance, association dues, and available liquidity

Select the property path

Standard DSCR, 5–8 unit and mixed-use, and cross-collateral structures have different eligibility rules. Use the program page to select the relevant path, then submit the actual property details for review.