Published terms, read October 29, 2026
Minimum credit score for a DSCR loan, lender by lender
Credit is the second number after DSCR that decides a rental loan. Published minimums run from 620 to 680, and several lenders tier their leverage by score, so the minimum gets you in the door while 700-740 gets you the headline LTV. Our program needs 660.
| Lender | Published minimum | Max LTV (purchase) | Tiers |
|---|---|---|---|
| Doors FundedOur programs | 660 | 80% | - |
| Griffin Funding | 620 | 85% | - |
| Easy Street Capital | 640 | 80% | - |
| CoreVest | 640 | 80% | - |
| Kiavi | 660 | 80% | - |
| Lima One Capital | 660 | 80% | - |
| RCN Capital | 660 | 80% | 80% LTV on a purchase needs a 700+ score; 660-679 gets up to 65%. |
| New Silver | 660 | 80% | - |
| Temple View Capital | 660 | 80% | - |
| Asset Based Lending | 660 | 80% | - |
| Visio Lending | 680 | 85% | - |
| Angel Oak Mortgage Solutions | 680 | 85% | 85% LTV needs a 720+ score; 75% at 680. |
| Dominion Financial | 680 | 80% | - |
| LendingOne | Not published | 80% | - |
What to check before you apply
- The score lenders use is usually the middle of three bureau scores for the guarantor with the highest ownership, not the best one.
- If you sit just under a tier, ask whether a rapid rescore is worth it: 20 points can move LTV by 5-15 points at some lenders.
- Several lenders do not publish a minimum at all. Ask before you pay for an appraisal.
Each lender's figures, with the page it came from, are on its own page: follow the name in the table. Every lender prices each deal, and the term sheet you get is what counts.
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