Chasing Financial Freedom · 2026-06-24 · 12 min
Most investors get rejected for a DSCR loan, not because they picked the wrong property, but because no one told them the exact numbers lenders look for before they applied. In this video, I break down all 5 DSCR loan requirements for 2026: the exact credit score, down payment, DSCR ratio, property types, and reserves you need to be approved for. What you will learn: The minimum DSCR ratio most lenders require (and what happens below 1.0) Why Zillow rent estimates get deals killed at underwriting Exact credit score tiers and how they affect your rate Down payment requirements by property type (SFR, 2 to 4 units, short-term rentals) How much in reserves do you need in the bank before closing What Form 1007 is and why it controls your deal
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