Lending Guide

DSCR Loan Requirements 2026 (Investor Guide)

DSCR loans in 2026 require a minimum DSCR of 1.10, maximum LTV of 90%, and are limited to non-owner-occupied 1–4 unit properties. Most lenders do not require personal income verification and instead qualify borrowers based on property cash flow. Loan sizes typically range up to $15,000,000.

Up to $15,000,000
DSCR Loans

Loan amounts up to $15M.

Key loan facts

Loan amount
Up to $15,000,000
Eligible properties
Non-owner-occupied 1–4 unit residential investment properties
Underwriting 1
Minimum DSCR: 1.10

Eligible Asset Types

  • Non-owner-occupied 1–4 unit residential investment properties

Underwriting Guidelines

  • Minimum DSCR: 1.10
  • LTVs up to 90%
  • Credit Score: 650+ (720+ for best pricing)
  • Interest Rate Range: ~6.5% – 9.5%
  • No personal income verification for most lenders

Who This Is For

  • Real estate investors buying or refinancing rental properties
  • Borrowers using property cash flow to qualify

Who This Is Not For

  • Owner-occupied primary residences
  • Rural or low-population markets
  • Loan requests with DSCR below 1.10

Frequently Asked Questions

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

Loan Parameters

MinimumNone
Core maximum$5,000,000
Not eligible: owner-occupied residential. Loans up to $15M.

Related Programs

Explore Riverside Park Capital

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Commercial real estate and investor property loans: core up to $15,000,000, loan amounts up to $15M.

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