DSCR Loans

This guide walks through the mechanics, the structures, and the places the general rule breaks.

DSCR Loans For High Net Worth Investors: Complete Guide — A DSCR loan qualifies a rental purchase or refinance on the property’s own

The mechanics shift at each size tier: credit floor, reserve math, appraisal count, and how coverage below 1.00 gets handled.

Exact terms depend on the lender’s guidelines, property type, leverage, and a full review of the borrower’s file.

Loan size runs from $150,000 up to $6,000,000 across the wholesale network Lendmire places files through, with leverage stepping down as the balance climbs.

What follows covers the mechanics, the size ladder, and the workarounds investors use when a trophy property’s rent doesn’t quite clear the bar by itself.

– Leverage steps down in tiers — from around 80% near the bottom of the program down to roughly 60% on review in the $4 million to $6 million range.

Leverage steps down in bands, credit floors climb, two appraisals become mandatory, and cash-out access narrows sharply as the loan size grows.

Short-term-rental and no-ratio files cap out lower, at $2,000,000, and cash-out disappears entirely above $3,000,000.

Across the wholesale network Lendmire works with, these loans run from roughly $150,000 up to $6,000,000, with leverage stepping down as the balance climbs.

Every figure here is a ceiling available through select programs in the wholesale network Lendmire works with, subject to underwriting.

Leverage steps down as the balance climbs, credit requirements tighten, and cash-out access narrows.

This guide walks through the mechanics, the size ladder, the structural variations, and the specific points where the general rule breaks.

The mechanics below walk through exactly what shifts, where, and why — just the underwriting logic.