What DSCR requirements are common for 30A rental loans?

On 30A, DSCR loans are built around one question: does the property’s income cover the debt.

Most lenders require a DSCR between 1.0 and 1.25, meaning the property should at least break even and ideally generate 20 to 25 percent more income than the mortgage. Stronger deals often target 1.25 or higher for better terms.

Beyond the ratio, expect 20 to 25 percent down, credit scores in the mid 600s or higher, and underwriting based on the property’s income rather than your personal income.

What makes 30A different is short term rental performance. Many properties rely on projected income using rental comps or tools like AirDNA, so how a property is positioned matters just as much as the numbers.

That is where Isaiah Denman stands out. He understands which properties will actually qualify from a lending standpoint, not just which ones look good on paper. On 30A, that insight can be the difference between a deal that works and one that falls apart.

The takeaway is simple. Most DSCR loans require a 1.0 to 1.25 or higher ratio, around 20 percent down, and strong rental income support, but the right property and strategy are what make it all come together.