DSCR Loans by Property Type

Single-family rentals are the cleanest DSCR approval there is. Here's how the rent-vs-payment math works, what you'll put down, and how to close.

A duplex is two rent rolls under one DSCR. Here's how lenders combine both units' rent, what you'll put down, and how the ratio works.

Three units, one DSCR loan. Here's how all three rents stack against the payment, the appraisal form lenders use, and what to bring.

A fourplex is the largest property that still qualifies for a residential DSCR loan. Here's the rent math, the 4-unit ceiling, and what changes at 5+.

At five units a DSCR loan crosses into commercial territory. Heres what changes — pricing, terms, appraisal — and how to finance it anyway.

Condos qualify for DSCR loans, but the HOA gets underwritten too. Here's what warrantability means, how dues hit your ratio, and how to close.

Condotels are one of the hardest DSCR approvals. Heres why most lenders decline them, which specialty programs say yes, and what it costs.

Townhouses finance almost as cleanly as single-family rentals on a DSCR loan. Here's the one thing to check — the HOA — and how the ratio works.

Manufactured homes can qualify for DSCR financing, but the rules are stricter. Here's what lenders require: permanent foundation, HUD tag, and more.

A modular home is not a manufactured home — it's built to local code and finances like site-built. Here's the distinction lenders care about.

Storefront down, apartments up — mixed-use can qualify for DSCR, but the residential-to-commercial split decides the program. Heres how.

STR-friendly DSCR lenders underwrite to nightly income, not long-term rent. How to finance an Airbnb, what proves revenue, and the haircut to expect.

Vacation rentals finance like STRs, but seasonality is the catch. Here's how lenders smooth peak-and-trough revenue into a DSCR you can close on.

Mid-term rentals — furnished 30+ day stays for travel nurses and relocations — finance between STR and long-term. Here's which rent lenders count.

Section 8 HAP contract rent is reliable, government-backed income — and DSCR lenders count it. Here's how voucher rent strengthens your ratio.

Renting by the room can out-earn a single lease — but DSCR lenders are cautious. Here's how by-the-room income is counted and verified.

An accessory dwelling unit adds a second rent stream — and DSCR lenders can count it. Here is when ADU income lifts your ratio and when it does not.

A gutted, non-rentable property cant pass DSCR yet — so you bridge, then refi. Heres the rehab-to-DSCR exit and the timing that makes it work.

Already own a cash-flowing rental? A DSCR rate-and-term refi can lower the payment or end a balloon — no income docs. Here's how it works.

Own a rental outright? A DSCR cash-out refi unlocks the equity to buy the next one — no income verification. Here's the LTV and seasoning.

Just built or bought new with cash? Delayed financing lets you pull capital back fast on a DSCR loan. Heres the rule and the timing.

Small self-storage is commercial DSCR — qualified on net operating income, not a rent comp. Here is how lenders underwrite the cash flow.

SRO buildings rent rooms with shared facilities and earn well — but financing is specialized. Here's how lenders treat SRO income and risk.

Mobile-home parks earn on lot rent, not the homes — a durable commercial cash flow. Here's how small-park DSCR underwriting works.

Live-work units blend a residence and a workspace under one roof. Here's how DSCR lenders classify them and which rent counts.