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What is the Minimum DSCR Required to Qualify for a DSCR Loan?
#3 Private Lending & Conventional Mortgage Advice Contributor
- Lender
- Austin, TX
🤔What is the Minimum DSCR Required to Qualify for a DSCR Loan? (Can I Get a Loan with a DSCR Below 1?)
➡️DSCR Lender minimums vary, many require at least 1.00x, meaning property income exactly covers PITIA. However, some lenders allow DSCRs as low as 0.75x or even set no minimum ("no ratio" DSCR Loans). Keep in mind, though: DSCR loans under 1.00x usually carry significantly higher interest rates and have stricter maximum LTV limits, typically capped around 65.0%.
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