What is a DSCR loan and who qualifies?
Qualification turns on the property first, then on you. The lender sizes the loan so the rent covers the payment at a minimum 1.20 ratio, then checks that you clear their borrower floor: usually a 680+ credit score, 20 to 25% down, and two to six months of reserves. Your W-2 income and debt-to-income ratio are never used, which is why the product exists for self-employed investors and for anyone who has hit the conventional loan-count limit. Most lenders will close in an LLC.