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Robin Simon's profile image
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Robin Simon

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Robin Simon
Robin Simon
#1 Private Lending & Conventional Mortgage Advice Contributor
  • Lender
  • Austin, TX
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Can I use retirement or investment funds as reserves for a DSCR Loan?

Robin Simon
#1 Private Lending & Conventional Mortgage Advice Contributor
  • Lender
  • Austin, TX
Posted
https://harpooncapital.com/contact



🤔 Q: Can I use retirement or investment funds as reserves for a DSCR Loan?
✔️ A: Yes, most lenders allow stocks, bonds, brokerage accounts, and retirement funds to count toward reserve requirements. But because these assets are less liquid than cash, lenders apply a “haircut” to account for access delays, penalties, or volatility. For example, 401(k)s and IRAs are usually counted at 70–80% of their value, due to early withdrawal rules and liquidation fees.

More: ⬇️ ⬇️⬇️

DSCR Loan Borrower Financials Qualification Overview: Down Payment & Liquid Asset Reserves
https://lnkd.in/gy9XG7nj

Get FREE e-Book: 10 Obstacles for DSCR Loans and How to Overcome Them!
https://lnkd.in/gC2gWcN8

Apply for a DSCR Loan: Web App
https://lnkd.in/gghjB4qx

Get "The Book on DSCR Loans" on Amazon! Short-Term $2.99 Kindle Sale
https://lnkd.in/gcY2S5xS

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