DSCR Loan Maximum LTV
The maximum loan-to-value (LTV) for a purchase with our 1-4 unit DSCR loan is 80%. Cash-out refinance leverage is not published; it is confirmed per deal. The property must also meet the 1.10x minimum DSCR, so a loan at the full 80% only works if the rent covers the payment.
Key loan facts
- Loan amount
- $100,000 to $5,000,000
- Loan type
- DSCR
- Eligible properties
- 1-4 unit rentals, Condos, townhomes and PUDs
- Maximum Leverage
- Up to 80% LTV on a purchase
- Minimum DSCR
- Minimum DSCR 1.10x
Commercial purchase and rate-and-term refinance: up to $5 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing. Not eligible: owner-occupied residential. Limits vary by program, property and deal, and we confirm them for each deal.
Lending Guide
Program Details
Eligible Asset Types
- 1-4 unit rentals
- Condos, townhomes and PUDs
Underwriting Guidelines
- Up to 80% LTV on a purchase
- Cash-out refinance leverage is confirmed per deal
- Minimum DSCR 1.10x
- Loan size: $100,000 to $5,000,000
- Final loan amount is set in underwriting after the appraisal
Who This Is For
- Investors buying or refinancing an investor-owned 1-4 unit property
Who This Is Not For
- Owner-occupied residential buyers
Frequently Asked Questions
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.