Home / DSCR / DSCR under 1.0? Still a door.
Updated September 2026
Flexible DSCR
DSCR under 1.0? Still a door.
Sub-1.0 is not a no. It is a door. Standard DSCR wants about 1.00x, and 1.25x prices better. Short of that, Flexible DSCR starts at 620 FICO, goes up to 80% CLTV, and takes DSCR below 1.0. STR, ITIN, and first-time investors are in. Reserves start at 3 months. No tax returns on this path. If the ratio should not exist at all, investor no-ratio goes to $1.5M with no FICO floor. More down, same door. We text the structure the same business day. We do not call.
The screen
| Flexible DSCR screen | Guideline |
|---|---|
| FICO | Starting at 620 |
| CLTV | Up to 80% |
| DSCR | Below 1.0 eligible |
| Reserves | Start at three months |
| Also eligible | STR, ITIN, first-time investors |
What we fund
- Rentals with thin or slightly negative cash flow
- Short-term rentals with a rent schedule
- First-time investors who have the reserves
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.
- Appraisal plus a lease, market rent, or a short-term rent schedule.
- Entity documents if you close in an LLC.
Questions
How far below 1.0 can the ratio go?
The program allows DSCR below 1.0. How far depends on credit, reserves, and LTV. We confirm that on the file. It is not a blank check.
Is 620 the only score that works?
Flexible DSCR starts at 620. No-ratio is a different program and has no FICO floor, with leverage closer to 55% CLTV.
Do I still skip tax returns?
Yes on this DSCR path. No personal income docs. The property cash flow and the reserves are the story.
What if several people are on the loan?
Flexible DSCR uses the highest representative score when there are multiple borrowers.
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.