ISO DSCR Portfolio Lender

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ISO DSCR Portfolio Lender

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Robert Bleisch
Investor · Lubbock, TX · Member since 2015 · 35 posts · 5 votes

ISO DSCR Portfolio Lender

Looking for a DSCR lender that can package 5–15 SFRs per loan.
Deal Parameters:

• 150 properties total to refinance (multiple tranches)

• Avg property value: $50K–$150K

• 80% LTV (rate/term refi)

• 1.25 DSCR

• 740 FICO

• Target rate: below 6.5%

• ≤ 0.50 points

• Clean, stabilized rentals

Open to repeat business with a lender that can scale.

👉

Text Bobby 806 221-2190 or tag a lender who can execute.

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  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    8mo
    Quote from @Robert Bleisch:

    ISO DSCR Portfolio Lender

    Looking for a DSCR lender that can package 5–15 SFRs per loan.
    Deal Parameters:

    • 150 properties total to refinance (multiple tranches)

    • Avg property value: $50K–$150K

    • 80% LTV (rate/term refi)

    • 1.25 DSCR

    • 740 FICO

    • Target rate: below 6.5%

    • ≤ 0.50 points

    • Clean, stabilized rentals

    Open to repeat business with a lender that can scale.

    👉

    Text Bobby 806 221-2190 or tag a lender who can execute.


     Sounds pretty reasonable. 

    The main issue here however is the lower home values. If these are all SFRs, most lenders will not finance a home worth $50k or less. Traditional DSCR lenders will underwrite each property individually as opposed to the entire portfolio value.

    The lowest I have seen is a $75k minimum as is value. You might want to try a local commercial lender, and see if they can underwrite it as a commercial property. 

    [email protected]818-269-7983
    LuxePrivate Investments LLC 572 Reviews
    WebsiteView Page
    0Reply
  • Reginald TrussPro Member
    Lender · Toledo, OH · Member since 2015 · 1k+ posts · 96 votes
    8mo

    Public Comment (Credible, Filters Noise)

    Robert — solid portfolio and clean metrics.

    At that size and granularity ($50K–$150K SFRs), most DSCR shops break down on either pricing or pooling efficiency, not credit or DSCR. The lenders that can package 5–15 per tranche usually do it as cross-collateralized pools with a blended DSCR and weighted LTV.

    Below 6.5% at 80% LTV is doable only if:

    • The lender is comfortable with low-balance efficiency
    • They’re running portfolio execution (not securitized DSCR)
    • Tranches are structured cleanly (geo + asset class consistency)

    If you’re open to a quick sanity check on structure before you start lender roulette, happy to take a look.

    0Reply
  • Vijay FriedmanBusiness Member
    Miami, FL · Member since 2026 · 766 posts · 123 votes
    5mo
    Quote from @Robert Bleisch:

    ISO DSCR Portfolio Lender

    Looking for a DSCR lender that can package 5–15 SFRs per loan.
    Deal Parameters:

    • 150 properties total to refinance (multiple tranches)

    • Avg property value: $50K–$150K

    • 80% LTV (rate/term refi)

    • 1.25 DSCR

    • 740 FICO

    • Target rate: below 6.5%

    • ≤ 0.50 points

    • Clean, stabilized rentals

    Open to repeat business with a lender that can scale.

    👉

    Text Bobby 806 221-2190 or tag a lender who can execute.

    @Robert Bleisch

    This is a very strong portfolio DSCR lead, especially because the borrower has scale, clean stabilized rentals, 740 FICO, and is looking for repeat tranches.

    The main challenge is the requested structure: 80% LTV rate/term refi across lower-balance SFRs with a target rate below 6.5% and less than 0.50 points. That may be aggressive depending on loan size, property mix, DSCR, and current market pricing.

    I’d compare options based on:

    • Portfolio loan vs individual DSCR loans
    • Minimum property value / loan amount per property
    • 5–15 SFR package eligibility
    • DSCR at property level and portfolio level
    • Appraisal requirements
    • Cash-out vs true rate/term treatment
    • Prepay structure
    • Whether lender can scale across multiple tranches

    Strong lead overall. The borrower seems execution-focused, not just shopping casually. If a lender can handle the low-value properties and portfolio structure, this could become repeat business. 

    786-656-0387
    DreamPoint Capital
    WebsiteView Page
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