DSCR loan under 100k

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DSCR loan under 100k

Adam GardnerPro Member
Investor · Ladson, SC · Member since 2022 · 8 posts · 11 votes

Any lenders that do DSCR loans under 100k?

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James Driscoll
Banker · MA · Member since 2026 · 120 posts · 33 votes
1mo

The $100k threshold most DSCR lenders enforce is a minimum loan amount, not purchase price, so the math sometimes works in your favor. If you're buying at $120k with 20% down, you're already below that floor at a $96k loan. A smaller down payment or a slightly higher purchase price can get you over it without finding a specialty lender. That said, there are non-QM shops that go down to $75k loan amounts on DSCR, though you'll typically pay a higher rate spread and may see stricter DSCR minimums (1.25x or higher) to compensate for the smaller balance.

James Driscoll

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  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    1mo
    Quote from @Adam Gardner:

    Any lenders that do DSCR loans under 100k?


     Happy to chat 

    [email protected]818-269-7983
    LuxePrivate Investments LLC 572 Reviews
    WebsiteView Page
    0Reply
  • Mitch Messer
    Lender · Playa del Carmen, México · Member since 2014 · 2k+ posts · 1k+ votes
    1mo
    Quote from @Adam Gardner:

    Any lenders that do DSCR loans under 100k?


    Hey Adam, how much under $100K do you need?

    If it's $75K or above, then yes, I can help connect you to DSCR lenders. Hit me up.

    0Reply
  • Stacy RaskinBusiness Member
    Lender · Member since 2022 · 1k+ posts · 508 votes
    1mo

    Happy to connect to discuss further. 

    [email protected]818-770-0340
    Bright Skyline518 Reviews
    WebsiteView Page
    0Reply
  • Avi Weichman
    Lender · Member since 2026 · 19 posts · 2 votes
    1mo

    sent you a DM.

    0Reply
  • Renard BrownPro Member
    Austin, TX · Member since 2026 · 39 posts · 5 votes
    1mo

    Hello happy to connect. I'll send you a DM

    0Reply
  • James Driscoll
    Banker · MA · Member since 2026 · 120 posts · 33 votes
    1mo

    The $100k threshold most DSCR lenders enforce is a minimum loan amount, not purchase price, so the math sometimes works in your favor. If you're buying at $120k with 20% down, you're already below that floor at a $96k loan. A smaller down payment or a slightly higher purchase price can get you over it without finding a specialty lender. That said, there are non-QM shops that go down to $75k loan amounts on DSCR, though you'll typically pay a higher rate spread and may see stricter DSCR minimums (1.25x or higher) to compensate for the smaller balance.

    James Driscoll

    1Reply
  • Scott WolfPro Member
    Lender · Boca Raton, FL · Member since 2014 · 1k+ posts · 958 votes
    1mo
    Quote from @Adam Gardner:

    Any lenders that do DSCR loans under 100k?


     Our minimum loan amount is $75k.

    0Reply
  • Nate HerndonPro Member
    Lender · Springfield, MO · Member since 2023 · 277 posts · 195 votes
    1mo

    @Adam Gardner the loan summary that I shared here got deleted for some reason. I'll summarize again for the sub-$100k DSCR programs available:

    • Minimum property value = $75,000

    • Minimum loan amount = $50,000

    • Current rate floor @ 6.25%

    • Best sub-$100k loan amount rate (without rate buydown) = 7.00-7.125%

    [email protected]417-605-2196
    1Reply
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