Home / DSCR / Conventional runs out of property slots. DSCR does not work that way.
Updated September 2026
DSCR guide
Conventional runs out of property slots. DSCR does not work that way.
Conventional loans often get awkward after several financed properties. DSCR looks at each rental's rent, so the tenth door is not automatically a no. That does not mean unlimited leverage. Each file still needs credit, reserves, and a ratio or a no-ratio screen. When the properties should be one loan, the blanket program is 2 to 25 properties, up to $6.25 million. When they should be separate loans, we do them one at a time. Send the list. We will not pretend ten weak ratios are one strong portfolio.
Sending a file is not an approval and not a credit pull. We text the same business day. We do not call. If we can structure it, we name the door. If we cannot, we say so.
The screen
| Growth path | How it works |
|---|---|
| One more house | Its own DSCR loan |
| Many on one note | Blanket, 2–25, up to $6.25M |
| A weak door | Does not get saved by a strong one unless the screen says so |
| Reserves | Can rise as the count rises |
What we fund
- Investors past the conventional property cap
- A blanket refinance of several houses
- A plan to buy the next one this year
What we still need. Short list.
- Credit is still reviewed. A lower score changes leverage, it does not skip the file.
- Reserves and down payment, sourced, when that screen asks for them.
- Appraisal plus a lease, market rent, or a short-term rent schedule.
- Entity documents if you close in an LLC.
Questions
Is there a hard limit on how many loans I can have?
Not a conventional-style slot count on DSCR. Credit, reserves, and the properties still limit you.
Should every house be its own loan?
Not always. Separate loans are easier to sell one house. A blanket is simpler until you need to release a property.
Can I add a property later?
On a new loan, yes. On a closed blanket, only if that note allows it. Ask before you assume.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.