Can a DSCR Loan Go to 85% LTV?
Yes. Get Brick Capital currently has qualifying DSCR purchase options up to 85% LTV for borrowers with strong credit, which means as little as 15% down before closing costs. The 85% tier is a purchase structure, not a blanket maximum for every DSCR transaction. Cash-out refinance and other refinance programs use different leverage limits.
Current high-level rule:
Up to 85% LTV can be available on qualifying long-term rental purchase scenarios with 740+ FICO. Final leverage still depends on DSCR, property type, loan size, appraisal, and the capital partner that fits the file.
What Does 85% LTV Mean in Dollars?
On a $300,000 investment-property purchase:
Purchase price: $300,000
85% loan amount: $255,000
Down payment before closing costs: $45,000
The property still has to support the payment through the DSCR calculation. A high-LTV approval is not useful if the projected rent cannot support the resulting PITIA.
What Usually Matters Most at 85% LTV?
- Strong FICO: the highest leverage tier is aimed at stronger-credit borrowers.
- Sufficient rent: the property must still meet the required DSCR at the larger loan amount.
- Standard marketable collateral: unusual property characteristics can reduce available leverage.
- Appraisal support: the appraised value and rent schedule have to support the transaction.
- Loan size and state: program minimums and geographic restrictions can affect the specific structure.
Why 85% LTV Can Price Higher Than 75% or 80%
Higher leverage means less borrower equity in the deal, which increases risk to the capital partner. That can show up through a higher rate, different points, or tighter eligibility requirements. If you have enough cash to put down more than 15%, it is worth comparing the monthly payment and total cash required at 75%, 80%, and 85% LTV instead of assuming the highest leverage is automatically the best structure.
Check the 85% LTV Tier
Send the purchase price, property address, expected rent, and approximate FICO. No credit pull to request current terms.
Submit Deal Summary →Does 85% LTV Apply to Cash-Out Refinance?
No. The 85% LTV tier discussed here is for qualifying purchases. Refinance leverage is different. If your goal is to pull equity from a rental you already own, review the DSCR cash-out refinance programs instead.