Competitive DSCR Offer? We Got You!

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Competitive DSCR Offer? We Got You!

Joyce Ann MagallanesBusiness Member
Lender · NY · Member since 2025 · 512 posts · 23 votes

A DSCR of 1.0 became the industry's default cutoff. Fall short of it, even slightly, and most lenders stop reading your file. Well, we go lower.

-Minimum DSCR: 0.75*
-Property type: 1 to 4 unit residential
-Minimum loan amount: $150K
-Minimum FICO: 680*

If a deal got rejected purely on the numbers, tell me the property type and state and I'll tell you if it clears here.

*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.

[email protected]646-914-9393
Venture Estate Group LLC525 Reviews
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  • J CastroBusiness Member
    Lender · Florida · Member since 2025 · 684 posts · 246 votes
    2w

    Great post, @Joyce Ann Magallanes ! A 0.75 minimum DSCR for 1–4 unit residential properties definitely opens the door for deals that may not fit more traditional underwriting guidelines.

    DSCR loans have become increasingly popular with real estate investors looking to expand their portfolios, acquire additional rental properties, and qualify based on the property’s cash flow rather than relying solely on personal income documentation.

    For investors who are considering DSCR financing—or comparing it with conventional investment loans—we recently published an article covering the key reasons investors are turning to DSCR loans:

    📖 7 Reasons Investors Choose DSCR Loans Over Conventional Financing

    It’s a worthwhile read for anyone looking at different ways to finance and scale a rental portfolio.

    👉 https://jcreigcapitalfunding.com/dscr-loans-vs-conventional-financing/

    The more financing options investors understand, the more tools they have when evaluating the next deal.

    JCREIG Capital Funding
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