STALLION LOANS DSCR Investment Property Loans Get Pre-Qualified

Free Resource

The DSCR Loan Qualification Checklist

Before you make an offer, run through this list. It won't replace full underwriting, but it'll tell you in five minutes whether a property is a realistic DSCR candidate.

  • Credit score of 620 or higher

    Higher scores unlock better loan-to-value ratios and lower reserve requirements.

  • Property is a 1-4 unit investment property

    DSCR loans are business-purpose loans — not available for a primary residence or second home.

  • Rental income is documented

    A signed lease, a market rent schedule, or short-term rental platform history (Airbnb/VRBO).

  • Down payment funds available

    Typically 15-40% of the purchase price, depending on the property's DSCR and your credit tier.

  • Reserve funds available after closing

    3 to 6+ months of the mortgage payment, sourced and seasoned, depending on the program.

  • This isn't your first-ever home purchase

    DSCR loans are business-purpose loans and are generally not available to first-time homebuyers.

  • The purchase is for investment purposes only

    You and immediate family will not occupy the property.

  • For short-term rentals: rental history or a market projection

    12 months of booking history for a refinance, or a qualified market rent projection (such as an AirDNA report) for a purchase.

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