Min DSCR
The lowest rent-to-PITIA ratio the program will accept on a cash-out. "None" means a no-ratio option exists; those programs price off LTV and FICO alone.
Directory · No. 02
Every nationwide DSCR cash-out program, side by side.
Ten programs underwriting investor real estate in all fifty states. Filter by rental strategy or property type to see only the ones that fit your deal.
§ 01 · Filters
Narrow the field.
Showing — of 10
Strategy
Property
These are guideline minimums. Final approval is a credit committee, an appraiser, and a title officer all agreeing with each other on the same Tuesday.An experienced mortgage broker, somewhere
§ 02 · How to read it
What the grid means.
Each program card publishes the four floors that decide your deal.
Max LTV
Largest loan the program writes as a percentage of appraised value. Most cap at 75% on 1-unit cash-out; a couple push 80% with 1.0+ DSCR.
Min FICO
Mid-score floor. A 700 mid is the broad sweet spot across all ten programs; 640 limits you to two or three.
Loan range
Smallest and largest loan the program will write in one transaction. Matters if you're under $100K (few will write it) or over $3M (only the institutional shops).