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Updated over 1 year ago on . Most recent reply

Kamal Martin's profile image
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Kamal Martin
  • Member since Nov 28, 2023

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Kamal Martin's profile image
Kamal Martin's profile image
Kamal Martin
  • Member since Nov 28, 2023
Kamal Martin
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DSCR Loan Question

Kamal Martin
Posted

Hi,

Does anyone know of any House Hacking friendly DSCR lenders?

Looking for
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Patrick Roberts's profile image
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Patrick Roberts
  • Lender
  • from Charleston, SC
  • Member since Nov 10, 2019

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Patrick Roberts's profile image
Patrick Roberts's profile image
Patrick Roberts
  • Lender
  • from Charleston, SC
  • Member since Nov 10, 2019
Patrick Roberts
  • Lender
  • Charleston, SC
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Patrick Roberts
  • Lender
  • Charleston, SC
Replied

This doesnt really exist. House hacking is a primary residence strategy, meaning the property is owner occupied. DSCR loans by definition cannot be used for owner occupancy because they would have to comply with Dodd-Frank rules regarding Ability to Repay, which is exactly what they remove with the DSCR component. DSCR's are commercial loans and every program I have ever seen prohibits owner occupancy - these are only for properties that are exclusively investment properties.

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