Lendmire Research

A DSCR loan file skips personal income paperwork entirely — no W-2s, no tax returns, no pay stubs.

STR DSCR Loans Explained: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

30-Year Fixed Investment Property Loans: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

There’s no single, universally required minimum credit score for a DSCR loan — no published floor that every lender must follow.

A commercial investment property loan is underwritten around what the property earns, not what the borrower earns on a W-2 or tax return.

Most DSCR programs set a credit floor somewhere between 620 and 660, but the score you actually walk in with does far more than decide yes-or-no — it

Down payment on a straight rental purchase typically runs 20%-25%, whether you go conventional or DSCR.

An investment property loan broker shops your rental purchase or refinance across multiple wholesale lenders instead of offering just one bank’s guidelines.

Conventional Investment Property Loans: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.

Yes, equity in a rental property can be borrowed against, but the path looks different than a home equity line on your own house.

A VA loan cannot be used to buy a pure rental property — the program is legally an owner-occupancy benefit, not an investor loan.

FHA loans are not investment-property loans.

Stonington, CT investment property loans: Pawcatuck’s $1,777 workforce rents vs. Borough’s $951K, $1,550-rent lifestyle market. DSCR analysis from Lendmire.

DSCR investment property loans in Edgartown, MA — Katama, the Triangle, and Meshacket rent math, coverage ratios, and workforce tenant demand explained.

DSCR investment property loans in Portsmouth, NH — West End duplex math, scarce multifamily supply, and shipyard-driven rental demand explained.