DSCR Loan Requirements in 2026, as a Checklist
DSCR loan requirements on our program: 660 FICO, 1.05x DSCR, an LLC borrower, up to 80% LTV, $75K to $2M. Every rule in one checklist with examples.
Guides
Rental, flip and construction loans for 1-4 unit investors.
DSCR Loan vs Conventional Loan for an Investment Property
A conventional loan qualifies you on income and caps you at 10 financed properties. A DSCR loan qualifies the rent and closes in an LLC. Here is the trade.
Fix and Flip Loan vs Hard Money Lender, Compared
An institutional fix and flip loan funds up to 90% of price and 100% of rehab, capped at 75% of ARV. How it differs from a local hard money loan, with numbers.
How Lenders Calculate DSCR on a Rental Property Loan
On a 1-4 unit DSCR loan the ratio is gross monthly rent divided by PITIA. A worked example, what moves the ratio, and how to solve for your maximum loan.
Why Investment Property Loans Close in an LLC
DSCR and flip loans are business-purpose loans made to an LLC, with your personal guarantee. What that means and how to deed a rental into an LLC.
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