DSCR Loan Credit Score Requirements
If you’re reviewing DSCR loan requirements, your credit score is an important factor. You can estimate your deal using our DSCR calculator.
Minimum Credit Score
Most programs require at least 620.
Preferred Credit Tiers
- 680+ → better terms
- 720+ → strongest pricing
Credit score plays a different role in DSCR underwriting than it does in conventional lending. Because the property’s rental income (not the borrower’s personal income) is what qualifies the loan, credit score is used primarily to set pricing and leverage tiers rather than to determine whether the deal can be approved at all — a strong cash-flowing property with a mid-600s score can still qualify, just at a different rate and loan-to-value than the same deal with a 740+ score.
Investors who are near a credit tier threshold (for example, sitting at 675 when 680 unlocks better pricing) often find it worthwhile to pay down revolving balances or resolve any reporting errors before submitting a scenario, since even a small score change can shift the loan into a more favorable pricing tier.
📊 Not sure where you stand?