What credit score is required for a DSCR loan?

The program minimum is a FICO score of 680.

Do DSCR loans require a down payment?

Yes. On a purchase, plan on at least 20% down: the maximum purchase LTV is 80%, and the final number depends on the DSCR, credit score and property.

Does a DSCR loan require an appraisal?

Yes. An appraisal sets the property's value for the LTV and supports the market rent used in the DSCR calculation.

Do DSCR loans require a credit check?

Yes. The loan qualifies on the property's rent rather than your personal income, but credit is still pulled and the minimum FICO is 680.

Do I need to show personal income for a DSCR loan?

No. DSCR loans qualify on the property's rental income compared with its debt service, not on W-2s, pay stubs or tax returns.

Does DSCR include taxes and insurance?

Yes. The payment in the ratio includes principal, interest, taxes, insurance and any HOA dues. Use the same period for income and payment: monthly with monthly, or annual with annual.

DSCR Loan Requirements

DSCR loan requirements at Riverside Park Capital: a minimum DSCR of 1.10x, a minimum FICO of 680, at least 20% down on a purchase (up to 80% LTV), an appraisal and documented rental income. Loans go up to $5,000,000 on non-owner-occupied investment properties only. Cash-out refinance leverage is confirmed per deal.

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Key loan facts

Loan amount: $100,000 to $5,000,000
Loan type: DSCR
Eligible properties: Single-family rentals, 2-4 unit rentals, Condos, Townhomes
Maximum Leverage: 80%
Minimum DSCR: 1.10x
Minimum FICO: 680

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.

As of 2026-10-01

DSCR loan requirements at a glance

Requirement	Riverside Park Capital
Minimum DSCR	1.10x
Minimum credit score	680 FICO
Down payment	At least 20% on a purchase (up to 80% LTV)
Cash-out refinance	Leverage confirmed per deal
Appraisal	Required
Income used to qualify	Property rental income, not personal income
Occupancy	Investment property only, not owner-occupied
Property types	Single-family, 2-4 unit, condos, townhomes
Term	30 years, fixed or ARM
Loan size	$100,000 to $5,000,000

Exact terms vary by lender program, property and transaction profile.

DSCR is calculated on full PITIA: principal, interest, taxes, insurance and HOA.

Source: Riverside Park Capital (2026-10-01), https://riversidepark.capital/dscr-loan-requirements. Data may be cited or embedded with attribution.

Lending Guide

Program Details

Eligible Asset Types

Single-family rentals
2-4 unit rentals
Condos
Townhomes

Underwriting Guidelines

Loan size: $100,000 to $5,000,000
Maximum purchase LTV: 80%
Minimum DSCR: 1.10x
Minimum FICO: 680
Non-owner-occupied residential investment properties only
Cash-out refinance leverage is confirmed per deal
Down payment: at least 20% on a purchase
Appraisal required
Qualifies on property rental income

Who This Is For

Residential investors meeting DSCR requirements
Self-employed investors whose tax returns understate income
Landlords adding to a rental portfolio

Who This Is Not For

Owner-occupants
Properties that don't yet produce or support rent

Frequently Asked Questions

Related Programs

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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.

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.