What is the minimum DSCR to qualify?

Most of TAG Lending Group's investors go as low as a 0.75 DSCR. First-time investors may need a 1.00 or higher, and No-Ratio programs are available when the rent does not need to cover the payment.

How much down payment do I need for a DSCR purchase?

Some DSCR investors allow as little as 15% down on a purchase. TAG Lending Group recommends 25% down so the property cash flows and to avoid Loan-Level Price Adjustments (LLPAs), which can apply when the rent does not cover the mortgage payment. Down payment, reserves and closing costs vary by investor, DSCR, credit and experience.

What rent can be used to qualify for a DSCR loan?

A signed long-term lease, the appraiser's market rent schedule (Form 1007), or short-term rental income such as Airbnb or VRBO based on rental history or market data, depending on the investor.

Can I close a DSCR loan in an LLC?

Yes. DSCR loans qualify on the property's rent, so you can close in your LLC with no tax returns, W-2s or pay stubs, and you can add a partner or family member to title or the LLC to qualify with their credit.

Is there a seasoning requirement for a DSCR cash-out refinance?

No ownership seasoning is required with some of our investors. Others require 6 to 12 months of ownership before a cash-out.

Loan Programs

DSCR Max Investor Program

Q: How do you calculate DSCR?

DSCR = monthly rent divided by monthly PITIA (principal, interest, taxes, insurance and HOA). A 1.00 ratio means the rent covers the full payment. Above 1.00, the property cash flows.

A flexible investment property financing solution designed for real estate investors who want expanded DSCR options and a streamlined path to financing rental property opportunities.

Connect To A Loan Officer Explore Program Details

Program Overview

The DSCR Max Investor Program is designed for real estate investors who want to qualify using rental income and the property’s ability to support the monthly payment. This program can be a strong option for borrowers looking to purchase, refinance, or expand an investment property portfolio without relying on a traditional personal income qualification structure.

Program Features

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Designed for investment property financing and rental property strategies.

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Qualification may be based on the property’s rental income and debt service coverage.

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Can support qualified purchase, refinance, and cash-out refinance scenarios.

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Offers a flexible path for investors who want to qualify through property cash flow.

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May help borrowers with complex income profiles avoid a traditional income documentation process.

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Designed to support investor scenarios where rental income is a key part of the loan structure.

Why Choose This Program?

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Helps investors focus on the property’s income potential instead of traditional personal income qualification.

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Provides a practical financing option for borrowers growing a rental property portfolio.

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Can be useful for investors seeking a more streamlined documentation experience.

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Supports investor clients who may not fit neatly into conventional income-based lending guidelines.

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Gives realtors another solution to discuss with buyers interested in income-producing properties.

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Offers a focused path for rental property buyers who want financing aligned with investor goals.

Who This Program Is Great For?

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Real estate investors purchasing income-producing rental properties.

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Borrowers refinancing investment properties using rental income as a key qualifying factor.

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Investors looking for financing that may not require traditional personal income documentation.

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Portfolio investors looking to expand their rental property holdings.

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Self-employed borrowers or investors with complex income structures.

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Realtors working with clients interested in investment properties and rental income opportunities.

Download Loan Program

Preview the loan program sheet and download the full DSCR Max Investor Program details instantly.

Download Loan Program

Co-Brand Loan Program

Access the co-branded version to share this DSCR Max Investor Program with your clients and Co-Org Loan partners.

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Need Help Structuring a DSCR Max Investor Loan?

Connect with a loan officer to review your investment property scenario and get clear guidance on the best next step.

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DSCR MAX at a Glance

Quick answer: DSCR MAX is TAG's higher-leverage DSCR option for real estate investors, with loan amounts up to $8M. It qualifies on the property's rental income instead of personal income or tax returns, subject to underwriting and investor guidelines. Last reviewed: November 2026.

DSCR

Qualify on rental income

Tax returns or W-2s

$8M

Max loan amount

620+

Min. FICO, by program

More DSCR MAX Details

Designed for investors who want maximum leverage on rental properties
Loan amounts up to $8M, subject to underwriting and investor guidelines
Purchase and refinance options, by program
Closing in an LLC or other entity is available by program
LTV, FICO, loan amount and reserve requirements vary by investor, property type and loan size

DSCR MAX FAQs

What is DSCR MAX?

DSCR MAX is a DSCR investor loan option built for higher leverage and larger loan sizes. Like other DSCR loans, it qualifies on the property's rental income compared to its payment.

What is the maximum loan amount for DSCR MAX?

DSCR MAX loan amounts go up to $8M. Final terms depend on the investor, property type, loan size and underwriting review.

Do I need tax returns for DSCR MAX?

Generally no. Qualification is based on property cash flow, though credit, assets and reserves are still reviewed.

Can I close DSCR MAX in an LLC?

Yes, closing in an LLC or other entity is available on many DSCR programs. Entity documents and guarantor requirements apply.

How is DSCR MAX different from the standard DSCR program?

DSCR MAX focuses on higher leverage and larger loan amounts. See TAG's DSCR investor program for standard limits across 1-4 and 5-8 unit properties.

Can mortgage brokers submit DSCR MAX loans to TAG?

Yes. Licensed brokers can submit files through TAG's wholesale channel in the states where TAG is licensed as a lender. No approval or closing date is guaranteed.

How We Calculate DSCR: The 1.00 Ratio

DSCR = Monthly Rent ÷ Monthly PITIA (principal, interest, taxes, insurance and HOA). A 1.00 ratio means the rent covers the full payment. Example: $2,900 rent ÷ $2,900 PITIA = 1.00. Above 1.00, the property cash flows. Below 1.00? Most of our investors go as low as a 0.75 DSCR, and No-Ratio programs are available when the rent doesn't need to cover the payment.

Rent We Can Use

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A signed long-term lease.

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The appraiser's market rent schedule (Form 1007).

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Short-term rental income (Airbnb, VRBO and similar), based on rental history or market data, depending on the investor.

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Your investing experience affects which rent source and minimum ratio an investor accepts. First-time investors may need a 1.00 or higher.

Flexibility That Helps You Qualify

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Add a partner or family member to title or your LLC and qualify using their credit.

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No ownership seasoning required with some of our investors. Others require 6–12 months of ownership before a cash-out.

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Close in your LLC, with no tax returns, W-2s or pay stubs.

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Minimum 620 credit score. Foreign national programs do not require a U.S. credit score.

Run Your DSCR Numbers

Do you own an investment property today?

Yes shows how to turn that equity into your next properties. No goes straight to the purchase calculator.

How the Equity-to-Portfolio Strategy Works

Refinance the rental you own

A DSCR cash-out refinance replaces your current loan with a larger one, typically up to 75–80% of the appraised value depending on the investor.

Pull out the equity

The difference between the new loan and your current balance, less closing costs, comes back to you as cash.

Use it as down payments

That cash becomes the down payment, closing costs and reserves on one or more income-producing properties.

Qualify each on its rent

Each new purchase can be financed with a DSCR loan that qualifies on that property's rent and can close in your LLC.

How a DSCR Purchase Works

Pick the rental

Choose a property that rents for at least its full payment, or close to it.

Rent qualifies the loan

We use the lease, the appraiser's 1007 market rent or short-term rental data instead of tax returns.

Bring down payment and reserves

DSCR purchases can start at 15% down with some investors. TAG recommends 25% down so the property cash flows and to avoid Loan-Level Price Adjustments (LLPAs) that apply when rent does not cover the payment.

Close in your name or LLC

Close as an individual or in your LLC, then repeat on the next one.

Equity-to-Portfolio Calculator

DSCR Purchase Calculator

Enter your own numbers to see a hypothetical illustration. TAG Lending Group does not quote rates on this page: enter an interest rate assumption to see payments, cash flow and DSCR. Your loan officer will give you actual terms for your scenario.

Property you own

Current property value ($)Current financing

Current loan balance ($)Current interest rate (%)Years remaining on current loan

Monthly rent ($)Monthly taxes, insurance & HOA ($)Cash-out LTV

Next properties

Property you want to buy

Purchase price ($)Down payment (%)

As little as 15% down with some investors. TAG recommends 25% down to cash flow and avoid Loan-Level Price Adjustments (LLPAs) when rent does not cover the payment.

Monthly rent ($)Rent sourceMonthly taxes, insurance & HOA ($)

Assumptions

Interest rate assumption (%)Loan termPayment type

Seller concessions ($) – max 6% of price

Closing costs are estimated for you at 3% (low) to 5% (high).

Cash held back for reserves ($)

Estimated cash out

–After 3–5% closing costs

Additional properties

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Properties controlled

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Total monthly rent

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Est. net monthly cash flow

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DSCR per new property

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Loan amount

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Est. cash to close

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Principal & interest

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Total PITIA

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DSCR

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Est. monthly cash flow

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Before vs. after (monthly)

Enter your name, email and phone to get a PDF of these numbers you can text to yourself or save.

Hypothetical illustration for educational purposes only. Not an offer, a rate quote or a commitment to lend. Results depend entirely on the assumptions entered and do not include vacancy, repairs, management, capital expenses or changes in rent, taxes, insurance or value. Payments shown are principal and interest on the selected loan term (30 years unless changed), or interest only if selected; actual programs, terms, LTV limits, reserves, minimum DSCR and closing costs vary by investor. Minimum 620 credit score; foreign national programs do not require a U.S. credit score. Business-purpose investment property financing only. Investing in real estate involves risk, including loss of equity. Consult your own tax, legal and financial advisors. TAG Lending Group, LLC, NMLS #2329372. Equal Housing Opportunity.

DSCR MAX

DSCR Max Investor Program

Program Overview

Program Features

Why Choose This Program?

Who This Program Is Great For?

Download Loan Program

Co-Brand Loan Program

Need Help Structuring a DSCR Max Investor Loan?

DSCR MAX at a Glance

More DSCR MAX Details

DSCR MAX FAQs

What is DSCR MAX?

What is the maximum loan amount for DSCR MAX?

Do I need tax returns for DSCR MAX?

Can I close DSCR MAX in an LLC?

How is DSCR MAX different from the standard DSCR program?

Can mortgage brokers submit DSCR MAX loans to TAG?

How We Calculate DSCR: The 1.00 Ratio

Rent We Can Use

Flexibility That Helps You Qualify

Run Your DSCR Numbers

How the Equity-to-Portfolio Strategy Works

Refinance the rental you own

Pull out the equity

Use it as down payments

Qualify each on its rent

How a DSCR Purchase Works

Pick the rental

Rent qualifies the loan

Bring down payment and reserves

Close in your name or LLC

Equity-to-Portfolio Calculator

DSCR Purchase Calculator

Property you own

Next properties

Property you want to buy

Assumptions

Related Programs

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