DSCR Loans for Purchase, Refinance & Cash-Out
Qualify on property cash flow — not personal income. Four investor tiers built for rental portfolios, with flexible entity vesting and fast decisions.
Four tiers. One clear path to financing.
Each Foundation DSCR tier is modeled on institutional matrices — balancing LTV, FICO, DSCR, and reserves. Choose the structure that fits your deal, from full-ratio qualifying to no-ratio options for premium credit.
Foundation Core
Our flagship DSCR for qualified investors
- Up to 80% LTV on purchases
- FICO from 640
- Min DSCR 1.00x
- Entity vesting in LLC/Corp
| Max loan amount | $3.5M |
| Min FICO | 640 |
| Min DSCR | 1.00x |
| Max LTV — purchase | 80% |
| Max LTV — rate/term refi | 75% |
| Max LTV — cash-out | 70% |
| Reserves | 6 months PITIA |
| Interest-only | Available |
Foundation Access
Lower DSCR threshold for strong credit
- Min DSCR as low as 0.85x
- FICO from 660
- Short-term rental analysis accepted
- Reserves 6 months PITIA
| Max loan amount | $2.5M |
| Min FICO | 660 |
| Min DSCR | 0.85x |
| Max LTV — purchase | 75% |
| Max LTV — rate/term refi | 72% |
| Max LTV — cash-out | 68% |
| Reserves | 6 months PITIA |
| Interest-only | Available |
Foundation Flex
Flexible ratios for experienced investors
- Min DSCR as low as 0.75x
- FICO from 700
- Interest-only available
- Reserves 9 months PITIA
| Max loan amount | $2M |
| Min FICO | 700 |
| Min DSCR | 0.75x |
| Max LTV — purchase | 70% |
| Max LTV — rate/term refi | 68% |
| Max LTV — cash-out | 65% |
| Reserves | 9 months PITIA |
| Interest-only | Available |
Foundation Select
No-ratio option for premium credit & low LTV
- No-ratio option (DSCR waived)
- FICO from 720
- Max 65% LTV purchase
- Reserves 12 months PITIA
| Max loan amount | $1.5M |
| Min FICO | 720 |
| Min DSCR | No ratio |
| Max LTV — purchase | 65% |
| Max LTV — rate/term refi | 63% |
| Max LTV — cash-out | 60% |
| Reserves | 12 months PITIA |
| Interest-only | Available |
Program guidelines
Property types
- 1–4 unit residential rentals
- Condos, townhomes, SFR
- Warrantable & non-warrantable condos
- Short-term rental analysis accepted
Vesting & eligibility
- Entity vesting in LLC/Corp allowed
- First-time investors welcome (per program)
- No personal income verification
- Subject to credit & property qualification
Loan parameters
- Loan amounts $100K–$3.5M
- Reserves 3–12 months PITIA
- Interest-only available on select tiers
- Cash-out up to 70% LTV (tier dependent)
All DSCR loans are subject to credit approval, underwriting review, and property evaluation. LTV, FICO, DSCR, and reserve requirements vary by tier and purpose (purchase vs. rate/term refinance vs. cash-out). Min DSCR as low as 0.75x on select programs with higher FICO and lower LTV; no-ratio options available at higher credit and lower LTV. This is not a commitment to lend.
Which DSCR tier fits your deal?
Run the numbers or send us your scenario for a fast, no-obligation quote.