Coverage
DSCR loans by property type
DSCR parameters shift by property type — not just LTV and rate, but lender availability and appraisal method. Start at your asset class.
10–30 Unit Multifamily
Financing 10–30 unit apartment buildings: too large for residential DSCR, too small for CMBS. What products fill the gap, lender landscape, and how underwriting shifts at 10+ units.
2–4 Unit Property
DSCR loans for 2-4 unit properties in 2026: 75-80% LTV, 0.85-1.0 DSCR minimums, and the duplex, triplex, and fourplex lender shortlist that actually funds.
5–10 Unit Multifamily
DSCR loans for 5-10 unit small multifamily in 2026: 70-75% LTV, 1.15-1.25 DSCR, commercial appraisal rules, and the specific programs that fund up to $20M.
Condotel / Resort Condo
DSCR loans for condotels and resort condos: which lenders accept them, LTV caps, rate add-ons, HOA rental pool rules, and the specific underwriting hurdles that make condotels difficult to finance.
Manufactured Home
DSCR loans for manufactured and mobile homes: the very narrow lender pool, land ownership requirements, titling rules, HUD code standards, and realistic financing alternatives.
Mid-Term Rental (MTR)
DSCR financing for mid-term rentals (MTR): traveling nurses, corporate housing, insurance relocation. How lenders categorize MTR income, rate tiers, and how to underwrite the 30-day furnished model.
Mixed-Use Property
DSCR loan for mixed-use property in 2026: 65-75% LTV, 1.20+ DSCR, the 50% residential rule, zoning verification, and the lender shortlist that actually funds.
New Construction / Build-to-Rent (BTR)
DSCR financing for newly built SFR and build-to-rent properties: no rent history challenges, construction-to-DSCR programs, stabilization period, and lender landscape for BTR investors.
Non-Warrantable Condo / Condotel
DSCR loan for non-warrantable condos and condotels in 2026: 65-70% LTV, 1.20+ DSCR, and the specialist lender pool for Miami, Vegas, and Kissimmee condotels.
Short-Term Rental (Airbnb / VRBO)
DSCR loan for Airbnb and short-term rentals in 2026: AirDNA underwriting, 20% income haircut, STR lender shortlist, and every regulated red flag market.
Single-Family Rental (SFR)
DSCR loan for single-family rentals in 2026: 80% LTV, 0.75+ DSCR, baseline pricing, and the exact SFR lender landscape to shop before closing your deal.
Vacation Rental (Resort / Destination STR)
DSCR loans for vacation and resort-market rentals distinct from Airbnb-regulation-exposed STR: destination market dynamics, stable regulatory environment, lender underwriting, and income documentation.
Warrantable Condo
DSCR loan for warrantable condos in 2026: 75-80% LTV, Fannie/Freddie warrantability rules, condo questionnaire, and post-Surfside Florida condo underwriting.
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