Total Advantage Solutions
Loan Products

DSCR Loans

Long-term rental financing qualified by the property’s cash flow — not your tax returns. Six product tiers cover residential, multifamily, commercial, and short-term rentals.

General Liquidity Requirement

4–6 months of PITIA reserves, closing costs, and down payment.

Product 1

Below 650 OK
NOT available in California
  • Below 650 credit: 50% LTV, min property value $150,000
  • 650+ credit: 75% LTV
  • No seasoning/sourcing for purchases if liquidity needed < $100k
  • No seasoning/sourcing for ALL cash-outs
  • No liquidity requirement for cash-outs
  • No minimum DSCR for 1–4 units; 0.84 DSCR for large commercial
  • Seller financing allowed in 2nd position up to 90% CLTV (10% down)
  • Property eligibility:
  • 1–4 units, condotels, mixed-use, multifamily, offices, retail, automotive, mobile home parks, warehouse, storage, daycares, assisted living (1–4 unit residential)

Product 2

700+
Available in CA, OR & other states
  • 700 credit: 80% LTV purchase, 75% LTV cash-out
  • 680 credit: lower LTV applies
  • 1–4 units, townhomes, warrantable condos
  • Closes in less than 2 weeks with a full file

Product 3

660+
NOT available in California
  • 700 credit, 1–4 units: 80% purchase / 75% cash-out
  • 680–699 credit, 1–4 units: 75% purchase / 70% cash-out
  • 660–669 credit, 1–4 units: 65% purchase / 60% cash-out
  • 700+ credit, 5–9 multi: 70% purchase / 65% cash-out
  • Manufactured homes, 1–4 residential, 5–9 multifamily

Product 4

680+
  • 680 credit: lower LTV applies
  • 700 credit: max 80% purchase / 75% cash-out
  • 1–4 units & multifamily 5–10 units allowed
  • Rural properties allowed

Product 5

680+
NOT available in California
  • 680 credit: 75% purchase / 75% cash-out
  • 700 credit: 80% purchase / 75% cash-out
  • Cash-out or refi WITHOUT signed lease agreement
  • Short-term and mid-term rentals allowed
  • 1–4 residential units only

Product 6

660+
NOT available in California
  • 720 credit: 80% purchase / 80% cash-out
  • 700 credit: 80% purchase / 75% cash-out
  • 680 credit: 75% purchase / 75% cash-out
  • 660 credit: 65% purchase / 65% cash-out
  • Multifamily 5–9 units allowed (700–720: 75/70 · 680–699: 70/65)
  • Second-lien DSCRs allowed up to 80% CLTV
Not sure which tier fits?

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