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 multifamily are commercial: 70-75% LTV, 1.15-1.25 DSCR, a commercial appraisal, and programs funding 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 lenders that allow manufactured homes and mobile home parks. Rates, LTV caps, and program rules — qualify on property cash flow, not personal income.
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)
A DSCR loan can finance an Airbnb or short-term rental via AirDNA underwriting, a 20% income haircut, and the regulated markets covered in this guide.
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.