Quick heads up for anyone shopping DSCR loans right now.

Cash out tends to run stricter than purchase. On a cash out DSCR, expect a 720 min credit requirement for up to 80% LTV*. If you're just purchasing though, that opens up to 85% LTV*.

Worth knowing before you assume your credit score works the same way across both scenarios, it doesn't always.

*Rates, LTV, and program terms are subject to change and vary based on borrower credit profile, property type, and market conditions. Not all applicants or properties will qualify. This is not a commitment to lend.