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DSCR - Full Stack

Hybrid Investor Loan

DSCR - Full Stack — Investors using rental income only, No-hassle DSCR transactions

  • 85% Purchase
  • 80% Cash-Out
SCORE
640
85% Purchase
Max Loan
$3.5M
80% Cash-Out
Max LTV
85%
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Guidelines effective 2025-07-01.

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Highlights

What makes this program work

  • VeriQual-AUS™ eligible
  • 80% Cash-Out from $150K–$1.5M
  • DSCR allowed down to 0.50 (No Ratio)
  • 85% Purchase $150K–$2M
  • 80% up to $3M
  • IO payment + TIA allowed for DSCR
  • 80% Short-Term Rentals
  • 35+ states, no license required
  • Title allowed in LLC, Corp, or Trust
  • 75% Foreign National (no score)
  • 75% Condotel, Non-Warrantable Condo, Rural
  • 30 / 40 year IO & 40 year Fixed
  • Flexible guidelines with exceptions
  • Business funds / cash-out for reserves allowed
  • Gift funds allowed
  • First-time investors OK
  • No primary residence buyers
Ideal scenarios

When to reach for Hybrid Investor Loan

  • Investors using rental income only, No-hassle DSCR transactions
Hybrid Investor Loan guidelines

Current matrix and product guide

The live Hybrid Investor Loan matrix is published in the TQL partner portal and updated in lock-step with what underwriting uses on every file. Open it in the portal for the full searchable experience.

Open Hybrid Investor Loan guidelinesAsk a senior AE
Hybrid Investor Loan FAQ

Common scenarios and answers

  • Investors using rental income only, No-hassle DSCR transactions