Riverside Park Capital
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Lending Guide

DSCR Loan Requirements 2026 (Investor Guide)

DSCR loans in 2026 require a minimum DSCR of 1.10, maximum LTV of 80%, 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 from $500,000 to $10,000,000.

$500,000 – $10,000,000
DSCR Loans

Eligible Asset Types

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

Underwriting Guidelines

  • Minimum DSCR: 1.10
  • Maximum LTV: 80%
  • Credit Score: 660+ (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

Minimum$500,000
Maximum$10,000,000
Not eligible: owner-occupied residential, loans below $500K

Related Programs

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Commercial real estate and investor property loans from $500,000 to $10,000,000.

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