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Requirements

LoanFunders lending requirements

The published qualifying criteria for LoanFunders — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.

Minimum credit score

660

LoanFunders sets its credit floor at 660. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.

Minimum DSCR

0.80

A 0.80 minimum accepts a property whose rent covers only 80% of its full monthly payment — principal, interest, taxes, insurance and association dues. A property renting for $1,600 against a $2,000 payment scores exactly a 0.80 DSCR and clears this floor; the same property would be declined outright at a program whose floor sits at 1.00. See How DSCR is calculated.

Maximum leverage

80% LTV / 80% LTC

Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 80% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what LoanFunders will actually lend against the project.

Loan size

$100,000

Loan sizes start at $100,000; the record reviewed for LoanFunders does not report a stated maximum.

Origination channel

Direct

LoanFunders originates directly — there is no broker in the loan.

Reading these thresholds together

LoanFunders publishes 5 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by LoanFunders as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."

None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.

Questions

What is LoanFunders's minimum credit score?
660. LoanFunders sets its credit floor at 660. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
What is LoanFunders's minimum dscr?
0.80. A 0.80 minimum accepts a property whose rent covers only 80% of its full monthly payment — principal, interest, taxes, insurance and association dues. A property renting for $1,600 against a $2,000 payment scores exactly a 0.80 DSCR and clears this floor; the same property would be declined outright at a program whose floor sits at 1.00.
What is LoanFunders's maximum leverage?
80% LTV / 80% LTC. Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 80% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what LoanFunders will actually lend against the project.
What is LoanFunders's loan size?
$100,000. Loan sizes start at $100,000; the record reviewed for LoanFunders does not report a stated maximum.
How many of the 7 tracked lending-criteria categories does LoanFunders publish?
5 of 7, verified Sep 17, 2026: minimum credit score, minimum dscr, maximum leverage, loan size, origination channel. Any category not listed above is not publicly disclosed by LoanFunders as of that date — treat an absent category as unknown, not as "no requirement."

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