No Minimum DSCR

At a glance

Up to 75% LTV with no minimum DSCR — built for properties that don't quite hit traditional cash-flow ratios but still pencil with the right capital stack.

Program highlights

• Up to 75% LTV
• 2–4 unit and condos allowed
• Minimum loan amount $150,000
• No DSCR floor
• Close in an LLC

How funding works

1. Send the address, current rent, and entity docs
2. We size to 75% LTV regardless of DSCR
3. Appraisal with rent schedule
4. Close in your LLC

Worked scenarios

DSCR 0.85 rental in appreciating market

Borrower: Investor banking on rent growth + appreciation

Property value: $350,000 · Loan amount: $262,500

Outcome: Funded at 75% LTV despite DSCR below 1.0.

Why this program

Most DSCR programs require coverage of at least 1.0; a few products waive the floor entirely in exchange for a lower LTV cap.

This is the right tool when an investor expects rent growth or value-add upside that the in-place rent doesn't yet reflect.

Pricing is slightly higher than standard DSCR loans because of the relaxed coverage requirement.

Frequently asked

Is there really no DSCR minimum?

Correct — coverage below 1.0 is acceptable up to the LTV cap.

Max LTV?

75%.