Published terms, read October 29, 2026
DSCR loans when the rent does not cover the payment
A DSCR of 1.00x means the rent exactly covers principal, interest, taxes, insurance and any HOA. Below that, the property loses money every month on paper, and only some lenders will still lend. Published floors run from no minimum to 1.05x, which is where our program sits.
| Lender | Published DSCR minimum | Max LTV (purchase) | Min score |
|---|---|---|---|
| Doors FundedOur programs | 1.05x | 80% | 660 |
| Easy Street Capital | no minimum | 80% | 640 |
| Angel Oak Mortgage Solutions | no minimum | 85% | 680 |
| Griffin Funding | no minimum | 85% | 620 |
| LendingOne | 0.75x | 80% | Not published |
| New Silver | 0.75x | 80% | 660 |
| Temple View Capital | 0.75x | 80% | 660 |
| Kiavi | 0.80x | 80% | 660 |
| CoreVest | 0.80x | 80% | 640 |
| Lima One Capital | 1.00x | 80% | 660 |
| RCN Capital | 1.00x | 80% | 660 |
| Dominion Financial | 1.00x | 80% | 680 |
| Asset Based Lending | 1.00x | 80% | 660 |
| Visio Lending | Not published | 85% | 680 |
What to check before you apply
- Below 1.00x, expect lower leverage, a higher rate or more reserves. Lenders price the shortfall; they do not ignore it.
- Check the rent rule before the floor. A lender that counts 110% or 125% of appraised market rent can turn a 0.95x deal into a 1.05x deal without changing anything else.
- Run your deal in the DSCR calculator: it solves the rent you need for 1.05x and the largest loan the rent supports.
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.
Tools for this
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.