# DSCR Loans

> DSCR loans from $500,000 to $10,000,000 for residential investment properties. No income verification — underwritten on property cash flow. Nationwide investor lending.

Canonical: https://riversidepark.capital/dscr-loans
Markdown: https://riversidepark.capital/dscr-loans.md

## Quick answer

Riverside Park Capital provides DSCR loans from $500,000 to $10,000,000 for residential investment properties. Loans are underwritten based on property cash flow, not personal income.

## DSCR financing answers one practical question

Can the rental property's qualifying income cover its total debt service? DSCR loans focus on property cash flow rather than the borrower's personal income, making them useful for investors building or refinancing a rental portfolio.

**Where it fits:** The strongest fit is a non-owner-occupied 1–4 unit rental with supportable market or documented rental income, appropriate leverage, and a complete property file.

**Example:** If a property's qualifying monthly income is $5,500 and its monthly PITIA is $5,000, the DSCR is 1.10x. Final sizing still depends on the full credit, property, and program review.

**Fit check:** Check DSCR, FICO, LTV, property type, rental documentation, and the $500,000 minimum before requesting terms.

Use the DSCR requirements and max-LTV guides for the next level of detail.

## Loan parameters

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

## Eligible assets

- Single-family investment properties
- 2–4 unit rental properties
- Short-term rental (STR) properties
- Residential investment portfolios

## Underwriting guidelines

- Loan size: $500,000 – $10,000,000
- DSCR: generally 1.10x or higher
- Min FICO: generally 650+
- Max LTV: up to 75–80%
- No personal income verification required
- Not owner-occupied

## FAQs

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

A DSCR loan (Debt Service Coverage Ratio loan) is a real estate investment loan underwritten based on the property's rental income relative to the loan payment, rather than the borrower's personal income.

**Q: What DSCR ratio is required?**

We generally require a minimum DSCR of 1.10x, meaning the property's gross rental income must exceed the total debt service by at least 10%.

**Q: What is the minimum credit score for a DSCR loan?**

We generally require a minimum FICO score of 650 for DSCR loan qualification.

**Q: Can I use a DSCR loan for a short-term rental property?**

Yes. Short-term rental properties may qualify using market rent or documented STR income on a case-by-case basis.

**Q: What is the maximum LTV for a DSCR loan?**

Maximum LTV is generally up to 75–80% depending on property type, DSCR ratio, and borrower profile.

## Related

- [What Is a DSCR Loan?](https://riversidepark.capital/what-is-a-dscr-loan)
- [DSCR Loan Requirements](https://riversidepark.capital/dscr-loan-requirements)
- [DSCR Loan Max LTV](https://riversidepark.capital/dscr-loan-max-ltv)
- [DSCR Loan Rates](https://riversidepark.capital/dscr-loan-rates)
- [DSCR Loans $500K–$10M](https://riversidepark.capital/dscr-loans-500k-to-10m)
- [Rental Property Loans](https://riversidepark.capital/rental-property-loans)

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Source: Riverside Park Capital — https://riversidepark.capital/dscr-loans