DSCR/Rental/Short Term Rentals
Additional Information
Loan Amount $75,000 – $2,000,000+
Down Payment 15%–25%
Credit Score 660 minimum (lower with conditions)
DSCR Requirement 0.75–1.25+
Interest Rate 6.5%–9.5% (as of 2025)
Loan Term 30-year fixed, or 5/7/10-year ARMs
Property Types SFR, 2–4 units, condos, townhomes
Prepay Penalty Often 3–5 years (step-down or yield maintenance)