Ratio The DSCR Desk

Compare 10 DSCR lender programs

Filter by rental strategy and property type. State availability and program requirements vary by lender.

Lender programs

Rental strategy
Property type

Showing 10 of 10 programs

These figures are guideline minimums. Final approval depends on the lender’s review of your property, credit, and documentation. Confirm current requirements directly with the lender.

Understanding the criteria

Minimum DSCR

The lowest rent-to-PITIA ratio the program will accept on a cash-out. "None" means a no-ratio option exists; those programs price off LTV and FICO alone.

Maximum LTV

Largest loan the program writes as a percentage of appraised value. Most cap at 75% on 1-unit cash-out; a couple push 80% with 1.0+ DSCR.

Minimum FICO

Mid-score floor. A 700 mid is the broad sweet spot across all ten programs; 640 limits you to two or three.

Loan range

Smallest and largest loan the program will write in one transaction. Matters if you're under $100K (few will write it) or over $3M (only the institutional shops).