How much down payment do I need for a DSCR loan?

Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker

DSCR loans typically require 20% to 25% down, with stronger down payments and credit unlocking better rates. A lower DSCR ratio may push the requirement toward 25% or more.

You'll also need a few months of reserves. We'll match your down payment, credit, and the property's cash flow to the best available DSCR terms.