DSCR Loan Credit Score Requirements: What You Need to Qualify
Credit score is one of the few borrower-specific factors that carries real weight in DSCR underwriting, even though personal income isn't documented.
Typical minimums
Many DSCR programs set a minimum credit score somewhere between 620 and 680, though this varies significantly by lender and can shift with market conditions.
Where pricing improves
Borrowers at 720+ typically see meaningfully better rate tiers, and 760+ often unlocks the top pricing tier available on a given program.
Below-minimum scenarios
Some specialty lenders in our network work with borrowers below 640, often with a larger down payment or reserve requirement to offset risk — it's not automatically a dead end.
What else matters alongside credit
Your DSCR ratio, down payment, and property type work together with credit score to determine your final rate and terms — a strong DSCR can sometimes offset a lower credit score, and vice versa.
Get matched with a lender to find out what your specific credit profile qualifies for today.