85% LTV on a DSCR rental purchase
Which lenders actually go to 85% LTV on a rental purchase?
This is the sharp end of the leverage question: of 26 lenders in this directory with a verified maximum LTV, this is the short list that publishes 85% or higher.
- DSCR rental purchase loan These are the highest published leverage ceilings this directory tracks for a rental purchase, so this is where "how little can I put down" gets answered first.
- Assuming any DSCR lender will match this leverage Most of the 26 verified lenders in the broader roster publish a lower ceiling — this is a short list on purpose.
Lenders in the directory
Who publishes criteria this deal clears
Matched across all 37 lenders in the directory on published maximum LTV. 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 5 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 the list is this short
85% sits at the top of what any lender in this directory publishes for a rental purchase. Most published ceilings sit lower, so a short list here is not a data gap — it is the honest shape of the market as this directory has it recorded.
What tends to come with this leverage
The lenders that clear this bar are not identical in what else they require. One publishes a firm minimum DSCR at or above 1.00; another publishes no minimum DSCR figure at all alongside its LTV ceiling, which is unusual at this leverage level and worth confirming directly rather than assuming. Credit floors among them also differ meaningfully. High leverage and an easy file are not the same thing — check the individual lender page for the rest of the picture before assuming the LTV number is the whole story.
The trade-off at this end of the range
This directory does not store rate or points as a function of leverage, so it cannot say what 85% LTV costs relative to a more conservative structure at any specific lender. What is a reasonable question to bring to the call: does pricing improve if you put more down, and by how much. That is a negotiation, not a published figure.
If this list doesn’t fit your deal
A property that doesn’t need this much leverage has a much larger field to work with — see the full purchase-LTV roster. And if the deal is a refinance rather than a purchase, cash-out has its own, separate list.
What to have ready
- A clear picture of your minimum acceptable down payment
- Your credit score — it varies meaningfully across this short list
- The property’s projected rent relative to the larger loan this leverage implies
Questions
Does 85% LTV apply to every property type?
Can I get 85% LTV with a lower credit score?
Is this list the same for a cash-out refinance?
Why does one lender here publish no minimum DSCR?
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%.
- Asset-Based Lending — Asset-based lending underwrites primarily on the value and income of the collateral rather than the borrower’s personal income. In real estate this covers hard money, bridge and DSCR loans.