660 Credit Score.Rental Equity.Let's Pull It.
- DSCR cash-out starts at 660 FICO: no higher score needed
- Up to 80% LTV on appraised value
- No W-2s, tax returns, or income verification
- 30-year fixed · Close in 28 days
Your 660 score qualifies. Submit your rental property details for rates within 24 hours.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Banks Say 680+. Our DSCR Program Starts at 660.
Conventional lenders and many DSCR lenders set their floor at 680 FICO. If your score is in the 660s, you get turned away before anyone even looks at the property. We start at 660. With a 660–679 credit score you can pull equity up to 70% LTV on our Standard program, or 80% LTV on our Expanded program at slightly higher rates. No personal income docs required on either: just the property's rental income and your credit profile.
Requirements
What You Need to Qualify
Min Credit Score
660 FICO
LTV at 660–679 FICO
Up to 70%
LTV at 680+ FICO
Up to 80%
Min DSCR
1.0+ (Standard)
Income Docs
None
Close In LLC
Yes
660 Credit Score Cash-Out FAQ
660 Qualifies. Get Your Equity Out.
No credit pull. Rates within 24 hours. Consistent 28-day closings.