No-Ratio DSCR Loan
A DSCR loan variant that skips the rent-to-PITIA test entirely. Used when the property's market rent doesn't cover the mortgage payment (DSCR below 1.0). Typically caps at 70% LTV with a 660+ FICO requirement and 0.50–1.00% higher rate than a standard DSCR. See No-Ratio DSCR →
Why it matters on a DSCR loan
Investors reach for a no-ratio DSCR loan when a deal pencils on appreciation or future rent growth but today's market rent falls short of the payment, which would fail a standard DSCR test. Expect a lower LTV cap and stronger credit requirements, so plan for a larger down payment and confirm your reserves before writing the offer. A common mistake is applying for a standard DSCR loan first and discovering the ratio shortfall in underwriting — running the rent-to-PITIA math upfront lets you price the right program from day one.
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).