DSCR Loan Minimum Credit Score
The minimum FICO score for our 1-4 unit DSCR loan is 680. A score below 680 does not fit the program as submitted. The same 680 minimum applies to every program we offer.
Key loan facts
- Loan amount
- $100,000 to $5,000,000
- Loan type
- DSCR
- Eligible properties
- 1-4 unit investment rentals
- Minimum FICO
- Minimum FICO 680
- Minimum DSCR
- Minimum DSCR 1.10x; up to 80% purchase LTV
- Maximum Leverage
- Credit is reviewed alongside DSCR, LTV and the property
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 investment rentals
Underwriting Guidelines
- Minimum FICO 680
- Minimum DSCR 1.10x; up to 80% purchase LTV
- Credit is reviewed alongside DSCR, LTV and the property
Who This Is For
- Investors with a FICO of 680 or higher
Who This Is Not For
- Borrowers below the 680 program minimum
- Owner-occupied residential buyers
Frequently Asked Questions
Ready to start a loan request?
Commercial real estate and investor property loans. 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.
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.