Modern investment duplex at dusk
94 programs · 56 lenders

Find the Fix/Flip or DSCR lender that actually fits the deal.

Enter the deal once. We screen every fix & flip and DSCR program in the matrix on state, FICO, LTV and loan size — then show you the exact guideline language behind each answer.

Match my dealRun Calculator
56
Lenders tracked
94
Loan programs
29
Guideline fields

One deal, two screens: run it through the DSCR rental matrix or browse the fix & flip lender directory.

Matching programs

94 shown · 29 meet every checked requirement

Acra

DSCR Program

Full match
Min FICO
600
Max LTV
85%
Max loan
$3M

Acra

Platinum Select DSCR Program

Full match
Min FICO
700
Max LTV
80%
Max loan
$2M

AHL Funding

5 - 9 Unit

Full match
Min FICO
680
Max LTV
—
Max loan
$2.5M

AmRes Wholesale

Full match
Min FICO
620
Max LTV
—
Max loan
—

Champions Funding

Accelerator DSCR 5-8 Unit

Full match
Min FICO
700
Max LTV
—
Max loan
$2M

Defy Mortgage

HELoan\DSCR

Full match
Min FICO
660
Max LTV
—
Max loan
$500K

Emet Mortgage

PRIME DSCR

Full match
Min FICO
620
Max LTV
—
Max loan
$3M

Emet Mortgage

OPTIMUS DSCR

Full match
Min FICO
660
Max LTV
—
Max loan
$2M

Emet Mortgage

FOREIGN NATIONAL PORTFOLIO

Full match
Min FICO
680
Max LTV
—
Max loan
$1.5M

Emet Mortgage

MULTI-FAMILY PRO

Full match
Min FICO
700
Max LTV
—
Max loan
$2M

Forward Lending

1-4 Unit

Full match
Min FICO
620
Max LTV
85%
Max loan
$3.5M

Forward Lending

5-8 Unit

Full match
Min FICO
680
Max LTV
75%
Max loan
$2M

GreenBox Loans, Inc.

Elite

Full match
Min FICO
640
Max LTV
85%
Max loan
$3.5M

GreenBox Loans, Inc.

Elite Plus

Full match
Min FICO
700
Max LTV
80%
Max loan
$3M

GreenBox Loans, Inc.

No Ratio

Full match
Min FICO
660
Max LTV
75%
Max loan
—

Lend Investors Capital

DSCR

Full match
Min FICO
680
Max LTV
—
Max loan
$3M

Lend Investors Capital

Foreign National

Full match
Min FICO
700
Max LTV
—
Max loan
$2M

Lend Investors Capital

MultiFamily

Full match
Min FICO
700
Max LTV
—
Max loan
$3M

LoanStream Mortgage

1-4 Unit

Full match
Min FICO
620
Max LTV
85%
Max loan
$4M

LoanStream Mortgage

5-8 Unit

Full match
Min FICO
680
Max LTV
75%
Max loan
$3M

MK Lending Corp

DSCR ACE

Full match
Min FICO
620
Max LTV
85%
Max loan
$2.5M

MK Lending Corp

DSCR Plus

Full match
Min FICO
660
Max LTV
80%
Max loan
$2M

MK Lending Corp

DSCR Multi

Full match
Min FICO
700
Max LTV
75%
Max loan
$2M

Novus Mortgage

CHOICE DSCR

Full match
Min FICO
660
Max LTV
80%
Max loan
—

Novus Mortgage

Foreign National DSCR

Full match
Min FICO
—
Max LTV
—
Max loan
$1.5M

STG Mortgage Inc.

CONSTELLATION

Full match
Min FICO
680
Max LTV
80%
Max loan
$2M

STG Mortgage Inc.

ECLIPSE

Full match
Min FICO
680
Max LTV
—
Max loan
$3M

WMB

DSCR 2

Full match
Min FICO
—
Max LTV
—
Max loan
—

WMB

DSCR 3

Full match
Min FICO
—
Max LTV
—
Max loan
—

AAA Lending

80%
Min FICO
680
Max LTV
80%
Max loan
$0K

ACC Mortgage

80%
Min FICO
640
Max LTV
80%
Max loan
$0K

AD Mortgage

80%
Min FICO
620
Max LTV
80%
Max loan
$0K

Amwest

80%
Min FICO
620
Max LTV
80%
Max loan
$0K

Angel Oak Mortgage Solutions

80%
Min FICO
680
Max LTV
85%
Max loan
$0K

Arc Home LLC

Edge DSCR

80%
Min FICO
700
Max LTV
80%
Max loan
$0K

BluePoint Mortgage

Iron

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

Broker First Funding

1 units

80%
Min FICO
640
Max LTV
85%
Max loan
$0K

Brokers Advantage

1St Lien

80%
Min FICO
620
Max LTV
80%
Max loan
$0K

Carrington (CMS)

80%
Min FICO
620
Max LTV
85%
Max loan
$0K

Champions Funding

ITIN ACCELERATOR

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

Change Lending, LLC

80%
Min FICO
660
Max LTV
85%
Max loan
$0K

Deephaven Mortgage LLC

1-4 units

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

Emporium

Elevate

80%
Min FICO
680
Max LTV
80%
Max loan
$0K

EPM

DSCR Prime

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

First Colony Wholesale

SHARP ADVANTAGE

80%
Min FICO
680
Max LTV
80%
Max loan
$0K

Foundation Mortgage Corporation

80%
Min FICO
620
Max LTV
85%
Max loan
$0K

FundLoans Capital

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

HomeBridge Wholesale

80%
Min FICO
700
Max LTV
80%
Max loan
$0K

HomeXpress Mortgage Corp

80%
Min FICO
620
Max LTV
80%
Max loan
$0K

Jet Mortgage

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

Kind Lending

80%
Min FICO
620
Max LTV
85%
Max loan
$0K

Loan House

80%
Min FICO
660
Max LTV
85%
Max loan
$0K

Loan Lock Prime

Series M

80%
Min FICO
640
Max LTV
80%
Max loan
$0K

Logan Finance Corporation

80%
Min FICO
660
Max LTV
80%
Max loan
$0K

Luxury Mortgage

80%
Min FICO
620
Max LTV
85%
Max loan
$0K

Nations Direct Mortgage

80%
Min FICO
680
Max LTV
80%
Max loan
$0K

New Wave Lending Group

80%
Min FICO
640
Max LTV
85%
Max loan
$0K

Newfi Lending

80%
Min FICO
700
Max LTV
80%
Max loan
$0K

NewRez LLC

80%
Min FICO
660
Max LTV
85%
Max loan
$0K

NexBank

80%
Min FICO
700
Max LTV
80%
Max loan
$0K

Know the ratio before you shop it

DSCR is gross monthly rent divided by PITIA. Most programs price best at 1.25x and above; below 1.00 you're into no-ratio territory with tighter LTV caps and higher minimum credit scores.

  • 1.25x+ — full leverage, best pricing tiers
  • 1.00–1.24x — standard qualification on most matrices
  • Below 1.00 — no-ratio programs, typically 65–75% max LTV

DSCR calculator

Rent divided by PITIA.

PITIA $2,470

1.30

Strong