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What DSCR ratio do I need to qualify?

Short answerMost DSCR lenders require 1.00 or higher, meaning rent covers the full payment. A ratio of 1.20–1.25 typically prices better, and some no-ratio programs accept below 1.00 with a larger down payment.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

The details

If you are short, the levers are a larger down payment, an interest-only option, buying down the rate, or a property with a higher rent-to-price ratio.

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