Loan readiness

Common DSCR loan requirements to check before applying.

Requirements vary by lender. This checklist focuses on the categories investors usually need to model before submitting a scenario.

Typical requirement categories

• DSCR ratio target, often modeled around 1.00 to 1.25 depending on lender and scenario
• Loan-to-value limit based on purchase price or appraised value
• Property type and occupancy rules
• Market rent, lease income, or short-term rental revenue documentation
• Borrower credit profile and liquidity reserves
• Insurance, taxes, HOA, and other operating cost assumptions

Check a DSCR scenario