What Is the Minimum Loan Amount for a DSCR Loan?
It depends on the lender. Two lenders with published DSCR programs set their minimum at $100,000: one lends from $100,000 to $4.5 million, the other from $100,000 to $3 million. A third doesn't publish a minimum on its program page. If the loan you need is smaller, ask before you apply.
Last updated October 21, 2026Why a smaller loan can be harder to place
Because a minimum is a floor on the loan, not the price of the property. A lower-priced rental, or a refinance where you need only a small amount, can fall under it even when the property qualifies on its rent. Lenders set their own minimums, so one lender's floor doesn't rule out another.
The top end varies too
The same two programs publish maximums of $4.5 million and $3 million. If you're financing a larger property, check the cap as well as the floor.
What to ask a lender
- What's your minimum and maximum loan amount on a DSCR loan?
- Does the minimum change for a refinance or a short-term rental?
- If my loan is under your minimum, is there another program you'd suggest?
| Published minimums | $100,000 at two lenders |
|---|---|
| Published maximums | $4.5 million and $3 million at the same two |
| Not published | One lender's program page lists no minimum |
| Who sets it | Each lender; one lender's floor doesn't bind another |
Related questions
Sources
- https://www.griffinfunding.com/non-qm-mortgages/dscr-loans/
- https://angeloakms.com/programs/investor-cash-flow-mortgage-program/
- https://www.kiavi.com/loans/dscr
Sourced from licensed loan officers and brokers in the FreeRateUpdate network.
Educational information only, not individualized financial or legal advice. Program details and rates change; verify current terms with a licensed loan officer before making a decision.