Is there really no minimum DSCR ratio on Program 7?

Yes. Program 7 has no minimum DSCR ratio requirement. Full underwriting and other program requirements still apply.

Can Program 7 work with no FICO score?

Yes. Program 7 can consider borrowers with no traditional FICO score, subject to full file eligibility.

How much can I finance on a purchase?

A qualifying Program 7 purchase can reach up to 75% LTV.

How much can I refinance?

A qualifying Program 7 refinance can reach up to 60% LTV.

Where is Program 7 unavailable?

Through Get Brick Capital, Program 7 is unavailable in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont.

Program 7 · Low FICO · No FICO · No Minimum DSCR

No Minimum DSCR Ratio.Program 7.Up to 75% Purchase. Up to 60% Refinance., DSCR Loan With No Minimum DSCR Ratio

No minimum DSCR ratio requirement on Program 7
Low FICO or no traditional FICO score can be considered
Qualifying purchases can reach up to 75% LTV
Qualifying refinances can reach up to 60% LTV

Program 7 is designed for scenarios that do not fit standard credit or minimum-DSCR requirements.

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No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation

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Purchase Max LTV75%

Refi Max LTV60%

Minimum DSCRNone

CreditLow / No FICO

Maximum Loan$10M

Availability44 States

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Quick Answer

What Does No Minimum DSCR Mean?

Program 7 does not require the property to meet a minimum DSCR ratio. That makes it a separate option for qualifying investment-property files where the rent-to-debt calculation is below the minimum required by standard DSCR programs. It does not mean the property or borrower file is ignored. Full underwriting, property eligibility, liquidity, reserves, and other Program 7 requirements still apply.

Program 7 Current Limits

Purchase

Up to 75% LTV

Qualifying purchases can reach up to 75% LTV with low FICO or no traditional FICO score.

Refinance

Up to 60% LTV

Qualifying refinances can reach up to 60% LTV. Do not use the 75% purchase maximum for a refinance.

DSCR

No Minimum Ratio

Program 7 is separate from standard low-DSCR options that may stop at 0.75.

Loan Size

Up to $10 Million

Qualifying Program 7 loan amounts can reach up to $10,000,000.

State Availability

44 States Through GBC

Program 7 is unavailable through Get Brick Capital in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont.

Pricing

Higher-Rate Flexibility

Program 7 pricing is materially higher than standard-credit DSCR programs. The program is intended for files that need additional flexibility on credit or DSCR rather than to replace standard pricing.

No Minimum DSCR Program FAQ

Explore Program 7 by Scenario

STR Purchase, No Minimum DSCR

Program 7 for qualifying Airbnb and short-term rental purchase scenarios.

Low FICO or No FICO

See the current Program 7 credit, leverage, loan-size, and state rules.

Need a Loan Without a Minimum DSCR Ratio?

Submit the scenario for a Program 7 quote. No credit pull for the initial quote.

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STR Purchase