Warrantable Condo
A condominium that meets Fannie Mae and Freddie Mac eligibility rules — owner-occupancy ratio above 50%, no single owner controlling more than 25% of units, master insurance in place, no active litigation, etc. Warrantable condos qualify for standard DSCR pricing.
Why it matters on a DSCR loan
Warrantability is a snapshot, not a permanent status — a building that was warrantable when you bought can slip out of compliance by refinance time if investor concentration rises or litigation starts, changing your available terms. When condo shopping, request the HOA questionnaire, budget, and litigation disclosure during due diligence so you know which pricing tier you're in before removing contingencies. Warrantable units get you standard DSCR pricing, so the status is worth verifying rather than assuming.
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).