Looking for Investor Feedback on DSCR Loan Structures & Current Market Terms
I'm looking to compare notes with other investors and lenders here who have been actively using DSCR loan products over the past 6–12 months.
A few things I’d love to hear your experience on:
- How have your DSCR deals been underwriting recently?
- Have you seen any major shifts in rates, prepayment structures, or reserve requirements?
- What rates do you typically see with these loans?
- Are you finding certain property types (SFR, 2–4 units, small multis, condos) getting easier or harder to finance through DSCR programs?
- For those scaling portfolios, how are DSCR loans fitting into your broader financing strategy?
From what I've seen in conversations with other investors, DSCR has been useful for:
- situations where tax‑return income doesn’t reflect actual cash flow
- investors holding multiple properties
- cases where rental income is the primary qualification metric
Curious to hear what others are experiencing — what’s working well for you, what challenges you've run into, and any tips for structuring deals efficiently in today’s environment.
Looking forward to learning from everyone’s insight.