# DSCR Loan Requirements 2026 (Investor Guide)

> DSCR loan requirements in 2026 explained: minimum DSCR, LTV, credit score, property eligibility, and what disqualifies a deal.

Canonical: https://riversidepark.capital/dscr-loan-requirements-2026
Markdown: https://riversidepark.capital/dscr-loan-requirements-2026.md

## Quick answer

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.

## Loan parameters

- Loan size: $500,000 – $10,000,000
- Loan type: DSCR Loans

## Eligible assets

- 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

## FAQs

**Q: How is DSCR calculated?**

DSCR equals Net Operating Income divided by Debt Service. For example, $120,000 NOI divided by $100,000 debt service equals a 1.20 DSCR.

**Q: What disqualifies a DSCR loan?**

Common disqualifiers include DSCR below 1.10, owner-occupied use, unstable rental income, and some low-population markets.

**Q: Do DSCR loans require personal income verification?**

Most DSCR loans are asset-based and do not require traditional personal income verification.

## Related

- [Max LTV Multifamily Loans](https://riversidepark.capital/max-ltv-multifamily-loans)
- [Best States for DSCR Lending](https://riversidepark.capital/best-states-for-dscr-lending)
- [DSCR Loans](https://riversidepark.capital/dscr-loans)
- [Submit a Loan Request](https://riversidepark.capital/apply)

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Source: Riverside Park Capital — https://riversidepark.capital/dscr-loan-requirements-2026