DSCR loan with a 660 credit score
Can I get a DSCR loan with a 660 credit score?
660 is the single most common published credit floor in this directory — crossing it opens more of the roster than any other single point on the scale.
- DSCR rental loan A 660 score clears the published floor at a meaningfully wider set of lenders than 620 does, and sits at or above several lenders’ most common minimum.
- Conventional investor financing Even at 660, agency loans on an investment property weigh personal DTI and reserve requirements a DSCR loan is built to skip.
Lenders in the directory
Who publishes criteria this deal clears
Matched across all 37 lenders in the directory on published minimum credit score. This list is computed from stored criteria, not curated — it changes when a lender’s published figures change.
Writes the product, has not published the threshold
These 12 carry a relevant product but have not published the figure this scenario depends on, or carry no verification date. We will not claim they qualify and we will not claim they do not — ask them directly.
Why 660 clears more of the list than 620
Several lenders in this directory publish their minimum credit score at exactly 660. A borrower who clears 620 but not 660 is working with a smaller list than a borrower at 660, even though both are working with the same category of loan. The gap between the two tiers on this site is not cosmetic — it is the actual published floor moving.
What 660 does and does not unlock
Clearing a 660 floor gets a file in front of more lenders; it does not automatically mean the best pricing or leverage any of them offer. Several lenders publish a higher preferred tier — 680 or 700 — for their strongest terms, so a 660 score is a wider door, not the top shelf.
How this interacts with the property side of the file
A DSCR loan still runs on the coverage ratio and leverage requested. A 660 score paired with a strong DSCR and modest leverage is a straightforward file at most lenders that publish a 660 or lower floor; a 660 score paired with a break-even property and maximum leverage asks more of the lender at once.
What to have ready
- A current tri-merge score, since lender pulls can land a few points from an app estimate
- The lease or a market-rent estimate to firm up the property’s DSCR
- Two to three lender quotes rather than one, since pricing at 660 varies by lender
Questions
Is 660 the most common DSCR credit floor?
Does 660 get me the lender’s best rate?
What if my score is 655?
Does a 660 score change my required down payment?
Terms used on this page
- Debt Service Coverage Ratio (DSCR) — DSCR is a property’s gross monthly rent divided by its total monthly mortgage payment. A DSCR of 1.00 means the rent exactly covers the payment; 1.25 means rent exceeds the payment by 25%.
- Non-QM Loan — A non-QM loan is a mortgage that does not meet the Qualified Mortgage standard, usually because it verifies income by some route other than tax returns. It is a documentation category, not a credit-quality one.