660 Credit Score.No Lease.There Are Program-Specific Options., DSCR Refinance With a 660 Credit Score and No Lease
- Programs 2 and 3 can support qualifying no-lease scenarios
- Program 3 starts at 660 FICO after a completed renovation
- Program 3 minimums: $75,000 loan and $100,000 property value
- 80% Program 3 cash-out requires 680+ FICO and is limited to eligible states
A 660 FICO can have a no-lease path, but leverage and seasoning depend on the program.
Get a Quote →No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
Get a Quote / See Your Options
The Important Distinction
660 + No Lease Does Not Automatically Mean 80% LTV
Get Brick Capital has no-lease options through Programs 2 and 3, but lease rules are capital-partner specific. Program 1 requires a lease.
Program 3 is the completed-renovation no-seasoning option. It starts at 660 FICO, can use the new ARV immediately after rehab, and does not require an executed lease. Its minimum loan is $75,000 and minimum property value is $100,000.
The highest Program 3 cash-out leverage, up to 80% LTV, requires 680+ FICO and is available only in eligible states. A 660 FICO should therefore not be advertised as a blanket 80% cash-out borrower.
Lease Rules
No Lease Is an Option, Not a Universal DSCR Rule
Program 1
Lease required
Program 2
No lease required
Program 3
No lease required
660 Credit Score, No-Lease DSCR FAQ
660 FICO and No Lease? See the Right Program.
No credit pull for the initial quote. Rates within 24 hours.
Related Loan Programs
BRRRR Refinance
Program 3 can use new ARV immediately after completed rehab.
Learn More →Pull EquityCash-Out Refinance
Compare Program 1, Program 3, and Program 7 cash-out paths.
Learn More →Exit BridgeRate & Term Refinance
Compare original-basis and new-ARV seasoning paths.
Learn More →