Traditional DSCR loans typically require a DSCR of 1.00–1.25+, meaning the property must generate enough rental income to cover the mortgage. A No Minimum DSCR Loan removes that requirement entirely, allowing approval even with:
The No Minimum DSCR Loan works best for:
Investors purchasing underperforming or value-add properties
Short-term rental (Airbnb/VRBO) investors
Buyers in high-priced markets with lower rent-to-price ratios
Investors seeking cash-out even when DSCR doesn’t meet traditional criteria
Anyone whose investment strategy relies on appreciation or rehab, not current cash flow
Typical lender minimums: 620–660+
Higher scores may unlock better rates and higher LTV.
The No Minimum DSCR Loan is a unique lending product that removes the requirement for a specific Debt Service Coverage Ratio (DSCR), making it ideal for real estate investors who may not meet traditional DSCR standards. This loan allows you to borrow up to 75% Loan-to-Value (LTV) on eligible properties, including 2-4 unit residences and condominiums, with a minimum loan amount of $150,000. Whether you're buying a new home or refinancing an existing one, this program provides unrivaled flexibility.
