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Investment Financing

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2019
Featured 2026.02.15

How to Apply for a DSCR Loan: Step-by-Step (2026) .

Step-by-step walkthrough of the DSCR loan application from pre-qualification to closing. Know what to expect and what documents to prepare.

DSCR loan application: 1) Get pre-approval (680+ credit, 20-25% down), 2) Find property with 1.0+ DSCR, 3) Submit full application with rent roll, 4) Underwriting (5-10 days), 5) Appraisal, 6) Closing (21-35 days total). Key documents: 2-3 months bank statements, entity docs, property rent roll. No tax returns required.

Portrait of Scott Dillingham
Scott Dillingham
Mortgage & Financing

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