Guides

Qualifying

Credit, coverage, cash and paperwork: what a lender needs before it will approve the file.

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4 guides in Qualifying

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GuideDSCR Loan Requirements: What You Actually Need in 2026Credit, rental coverage, reserves, documentation, and how lender overlays interact.Verified July 28, 2026

A set of house keys on a brass ring lying on a closed folder beside a pen.

GuideDSCR Loan Down Payment RequirementsWhy 20% is the practical planning figure, when 15% is legitimate, and how an advertised 10%-down structure actually works.Verified July 28, 2026

A stack of bound entity documents beside a black ring binder and a pen on a desk.

GuideDSCR Loans for an LLC: How Entity Borrowing WorksEntity records, guarantee rules, vesting, and the due-on-sale issue that can arise during a refinance.Verified July 28, 2026

A woman with a clipboard measuring a wall with a tape measure in an empty, sunlit room with bare wooden floors.

GuideDSCR Loan Appraisal: How Value and Rent Affect Your LoanHow the appraised value and market rent set your loan amount and ratio, and what to do if either comes in low.Verified July 28, 2026

At a glance

Qualifying guides
Row	Sheet	What it covers	Verified
1	DSCR Loan Requirements: What You Actually Need in 2026	Credit, rental coverage, reserves, documentation, and how lender overlays interact.	July 28, 2026
2	DSCR Loan Down Payment Requirements	Why 20% is the practical planning figure, when 15% is legitimate, and how an advertised 10%-down structure actually works.	July 28, 2026
3	DSCR Loans for an LLC: How Entity Borrowing Works	Entity records, guarantee rules, vesting, and the due-on-sale issue that can arise during a refinance.	July 28, 2026
4	DSCR Loan Appraisal: How Value and Rent Affect Your Loan	How the appraised value and market rent set your loan amount and ratio, and what to do if either comes in low.	July 28, 2026

Work alongside these guides

CalculatorCash-to-close calculatorDown payment, closing costs, prepaids and reserves in one documented figure.

ChecklistDSCR Loan Document ChecklistThe property, credit, funds and entity records to collect before underwriting begins.

ChecklistLLC Entity Document ChecklistFormation records, operating agreement powers, guarantor questions and vesting details for an entity file.

Other sections

DSCRLoans101 is an independent editorial site. We do not originate loans and we are not affiliated with any lender. Every figure on this page comes from published lender materials or primary sources, and we publish the date we verified it.