Rent Doesn't FullyCover the Payment.We Still Fund It.
- Expanded program: DSCR as low as 0.75 qualifies
- Pull equity from appreciated rentals: even with thin margins
- No income docs: property income is all we look at
- 660+ FICO · Up to 80% LTV · 30-year fixed
Sub-1.0 DSCR is not a dealbreaker. Submit your numbers and we'll tell you what's possible.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Most Lenders Stop at 1.0 DSCR. We Go to 0.75.
If your rental property has appreciated significantly but rents haven't kept pace with your target loan payment, standard DSCR lenders will turn you away. Our Expanded program is built for exactly this situation. We fund cash-out refinances at DSCR as low as 0.75, meaning rent only needs to cover 75% of the payment. Rates are higher than our Standard program, but you still get long-term fixed financing and access to your equity: without proving any personal income.
Requirements
What You Need to Qualify
Min Credit Score
660 FICO
Max LTV
Up to 80%
Min DSCR
0.75 (Expanded)
Program
Expanded Rate
Income Docs
None
Lease Required
No
Sub-1.0 DSCR Cash-Out FAQ
Sub-1.0 DSCR? We Have a Program.
No credit pull. Rates within 24 hours. Consistent 28-day closings.