Most DSCR loans target 1.0+ rent coverage. See typical minimums, sub-1.0 options, and how ratio affects pricing for Indiana investors.
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DSCR Loans
What DSCR Ratio Is Required?
Most investor programs want rent to cover the payment at 1.0 or better. Here is what that means in practice — and when a lower ratio can still fund.
Illustrative bands we see on Indiana investor files — your matched program may differ.
All loans subject to credit and property approval. Program guidelines vary by investor and change without notice.
Minimum DSCR is not one universal number. Investors set floors by loan purpose, LTV, credit band, property type, and whether short-term rental income is used.
Cash-out refinance, lower credit, or higher LTV can push the required ratio up. Stronger credit, more equity, or long-term leases can unlock programs with more flexible floors.
We shop your scenario across investor overlays so you are not stuck with a single published minimum.
You still have options before walking away from the deal.
Related DSCR guides and investor resources from Ryan & Steve.
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We will run your property against current investor minimums and show you what still works.