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.
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.
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.
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.
Warrantable Condo
DSCR loan for warrantable condos in 2026: 75-80% LTV, Fannie/Freddie warrantability rules, condo questionnaire, and post-Surfside Florida condo underwriting.