There Is No Single Minimum FICO Across All DSCR Programs
The credit requirement depends on the program. Program 3, the completed-renovation no-seasoning option, starts at 660 FICO. Program 7 is the separate low-FICO and no-FICO option and can consider a file even when there is no traditional FICO score.
Current Program 7 and Program 3 Credit Structure
The previous Program 7 ladder that changed leverage at 599, 640, 659, and 660 is obsolete. The current Program 7 structure uses separate purchase and refinance limits for qualifying low-FICO or no-FICO scenarios.
Program 3 Starts at 660 FICO
Program 3 requires at least 660 FICO. It can use the new ARV immediately after completed renovation, has a $75,000 minimum loan and $100,000 minimum property value, and does not require a lease. The 80% cash-out tier requires 680+ FICO and is available only in the eligible states.
Program 7 Solves a Different Problem
Program 7 is not a cheaper version of Program 3. It is the higher-priced low-FICO, no-FICO, and no-minimum-DSCR path. Qualifying refinances can reach up to 60% LTV and qualifying purchases can reach up to 75% LTV. Program 7 also has no minimum DSCR ratio requirement and qualifying loan amounts can reach up to $10 million.
Program 7 state availability:
Through Get Brick Capital, Program 7 is effectively available in 44 states and unavailable in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont.
Credit Is Only One Part of the File
Final eligibility also depends on transaction type, state, property type, seasoning, value basis, loan amount, lease status, liquidity, reserves, and the selected capital partner. A strong FICO does not automatically create the maximum advertised LTV if another overlay is more restrictive.
See the Program for Your Credit Profile
Send the property, value, rent, payoff, transaction type, and approximate FICO. We will compare the wholesale options that actually fit.
Get a Quote →The Bottom Line
There is no universal 660 minimum across Get Brick Capital's DSCR options. Program 7 can consider low FICO or no FICO, with qualifying refinances up to 60% LTV and purchases up to 75% LTV, while Program 3 starts at 660 and reserves its select-state 80% cash-out tier for 680+ FICO. See the low-FICO program guide or the cash-out hub for the full structure.