# How Do DSCR Purchases Up to 80% LTV Work?

> RPC's residential investor DSCR program offers purchase leverage up to 80% LTV on qualifying non-owner-occupied rentals, with loans up to $5 million. Cash-out refinance leverage is confirmed per deal and is not the purchase ceiling.

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## Quick answer

RPC's residential investor DSCR program offers purchase leverage up to 80% LTV on qualifying non-owner-occupied rentals, with loans up to $5 million. Cash-out refinance leverage is confirmed per deal and is not the purchase ceiling.

## How much purchase equity should you plan for?

At the maximum purchase leverage, the value-based equity gap is 20% before closing costs and reserves. Underwriting can require more equity if the accepted value is lower or rental income cannot support the requested loan. A listing's rent estimate is a starting point, not a completed cash-flow review.

**Where it fits:** Prepare the contract, leases or rental information, property details, ownership documents and your requested amount. DSCR compares rental income with the property's payment burden; personal-income treatment does not eliminate credit, appraisal or document review. The home must be an investment rental rather than your own residence.

**Example:** Illustrative: at an accepted purchase value of $500,000, 80% LTV equals $400,000. The buyer needs the remaining $100,000, plus costs and any reserves, assuming the income supports the loan.

**Fit check:** Non-owner-occupied residential investment properties only. Minimum FICO 680, minimum DSCR 1.10x, and purchase leverage up to 80% LTV. Cash-out refinance leverage is confirmed per deal.

Apply with your property and financing request, or submit a deal as a broker through Partners.

## Loan parameters

- Loan size: $100,000 to $5,000,000
- Loan type: Residential Investor DSCR Loans

## Eligible assets

- Single-family rentals
- 2-4 unit rentals
- Condos and townhomes

## Underwriting guidelines

- Maximum loan amount: $5 million
- Maximum purchase LTV: 80%
- Minimum FICO: 680
- Minimum DSCR: 1.10x
- Non-owner-occupied residential investment properties only
- Cash-out refinance leverage is confirmed per deal
- Closing timeline is confirmed per deal
- Residential DSCR financing is available in 43 states. Washington, DC is unavailable. A portfolio's properties must each be in an eligible state.
- All property types are subject to underwriting.

## Which program facts apply to this request? (as of 2026-10-08)

| Fact | Public guideline |
| --- | --- |
| Loan amount | $100,000 to $5,000,000 |
| Program condition | Maximum loan amount: $5 million |
| Program condition | Maximum purchase LTV: 80% |
| Program condition | Minimum FICO: 680 |
| Program condition | Minimum DSCR: 1.10x |
| Program condition | Non-owner-occupied residential investment properties only |
| Program condition | Cash-out refinance leverage is confirmed per deal |
| Program condition | Closing timeline is confirmed per deal |
| Program condition | Residential DSCR financing is available in 43 states. Washington, DC is unavailable. A portfolio's properties must each be in an eligible state. |
| Program condition | All property types are subject to underwriting. |

- These are public guidelines, not a loan commitment. Final terms depend on underwriting.

## FAQs

**Q: What DSCR and credit score apply?**

The published minimums are 1.10x DSCR and 680 FICO. Both are reviewed alongside property value, leverage and the file.

**Q: Can I use the purchase LTV for cash-out?**

No. DSCR cash-out refinance leverage is confirmed per deal; this guide publishes no cash-out percentage.

**Q: Is there a published closing deadline for DSCR?**

The closing timeline is confirmed per deal. Ask the team to assess your contract deadline after reviewing documents, valuation, title and underwriting needs.

## Related

- [Residential Investor DSCR Loans](https://riversidepark.capital/dscr-loans)
- [Apply for financing](https://riversidepark.capital/apply)
- [Submit a deal as a broker](https://riversidepark.capital/partners)
- [Investor portfolio financing](https://riversidepark.capital/residential-investor-portfolio-financing)

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Source: Riverside Park Capital - https://riversidepark.capital/dscr-loans-80-percent-purchase-ltv