DSCR Loans
DSCR Loan Credit Score Requirements
Minimum FICO scores for DSCR loans, how your credit score affects program options and pricing, and what to do if your score is below 680.
7 min read|Updated June 21,
2026
Minimum FICO scores for DSCR loans, how your credit score affects program options and pricing, and what to do if your score is below 680.
Most DSCR lenders require a minimum FICO score of 620–680. The 620 minimum typically applies only to the strongest DSCR scenarios (1.25+ ratio, 25%+ down). Most standard programs set the floor at 640–660. Scores of 680+ open more programs. Scores of 720+ unlock the best rates and lowest down payment options. Below 620, conventional DSCR programs are generally unavailable.
| FICO Range | Program Access | Typical Down Payment | Rate Impact |
|---|---|---|---|
| 720+ | Maximum programs | 20% | Best available rates |
| 680–719 | Standard programs | 20–25% | Competitive rates |
| 640–679 | Limited programs | 25% | Rate premium 0.5–1.0% |
| 620–639 | Very limited | 25–30% | Highest rates; few options |
For DSCR loans, the credit score review is different from conventional loans. Lenders care about:
The tri-merge FICO (middle score of three bureaus) determines program eligibility and pricing tier.
Mortgage/rent late payments in the last 12–24 months can be deal-killers even with a good score.
Chapter 7 typically requires 4+ years seasoning. Chapter 13 may require 2+ years post-discharge.
Short sales and deeds-in-lieu typically require 4+ years from completion date for most programs.
Options to Consider
Submit your scenario to see what programs may fit your credit profile.
Disclaimer: Educational only. Not a commitment to lend. Credit requirements vary by lender and program.
Last Updated: July 12, 2026 | Reviewed by: Matt Dean, NMLS #227603 · NEXA Lending