660 Credit Score.No Lease.Still Qualifies.
- DSCR loans start at 660 FICO: no higher score required
- No lease or tenant needed to qualify
- No income docs, tax returns, or W-2s
- Up to 80% LTV on appraised value
Your 660 score is enough. Submit your deal and we'll have rates within 24 hours.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Plenty of Lenders Require 680+. We Start at 660.
Many DSCR lenders require a 680 or 700 FICO minimum, and then also require a lease in place. If your score is in the 660s and your property isn't rented yet, you're stuck. Our Standard and Expanded programs start at 660 FICO with no lease requirement. We qualify on projected market rent from the appraisal, so even a vacant property after a BRRRR can close. Submit your deal and find out where you stand: no credit pull required.
Requirements
What You Need to Qualify
Min Credit Score
660 FICO
Max LTV (660–679 FICO)
Up to 70% LTV
Max LTV (680+ FICO)
Up to 80% LTV
Min DSCR
0.75+ (Expanded)
Lease Required
No
Income Docs
None
660 Credit Score DSCR Refi FAQ
660 Is Enough. Let's Close.
No credit pull. Rates within 24 hours. Consistent 28-day closings.