SFR (Single-Family Residence)
A single-family detached home — the most common DSCR loan property type. SFRs qualify for standard pricing and the highest LTV tiers (up to 80%).
Why it matters on a DSCR loan
SFRs are the path of least resistance in DSCR lending — the cleanest appraisal process, the widest program eligibility, and access to the top LTV tiers. For a first DSCR loan, an SFR file usually closes faster than condo or multifamily alternatives because there's no HOA review or multi-unit rent schedule to complete. The trade-off is single-tenant risk: one vacancy means zero income, which is why underwriters and investors alike lean on reserves.
Related terms
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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).