DSCR Financing: 85% Purchase, 80% Cash Out

[Joyce Ann Magallanes]

Sharing some current DSCR terms in case it's useful for anyone evaluating options right now.

Purchase up to 85% LTV*
Cash-out refinance up to 80% LTV*
720+ credit minimum
Qualification based on the property's rental income, not personal income docs

This structure tends to work well for investors scaling a rental portfolio who don't want their financing tied to W-2s or tax returns.

Feel free to drop your scenario if you want to run numbers on a specific deal.