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How much cash reserves do I need for a DSCR Loan?
#1 Private Lending & Conventional Mortgage Advice Contributor
- Lender
- Austin, TX
⁉️ Q: How much cash reserves do I need for a DSCR Loan?
➡️ A: Most lenders require 6 months of PITIA (principal, interest, taxes, insurance, and association dues) in reserves, though some allow as little as 2 months for low-risk loan and others may ask for 9–12 months on large or high-risk loans. Importantly, reserves don’t have to be actual cash. DSCR Lenders count liquid assets like stocks, bonds, and even retirement accounts, usually at 70% to 90% of their current value. In fact, you can meet reserve requirements without holding any cash at all, as long as your assets are adequate, accessible and verifiable.
More: ⬇️ ⬇️⬇️
DSCR Loan Borrower Financials Qualification Overview: Down Payment & Liquid Asset Reserves
https://harpooncapital.com/dscr-loans-guide/dscr-loan-borrow...
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