What is the minimum reserve requirement for a DSCR loan?

The minimum reserve requirement for a DSCR loan varies by lender and loan amount, typically starting at 3 months of PITIA (Principal, Interest, Taxes, Insurance, and Association dues).

Here’s a summary of reserve requirements by lender:

Lender	Minimum Reserves	Additional Notes
A&D Mortgage	3 months for loans ≤ $1M, 6 months for $1M-$2M, 12 months for > $2M. Foreign Nationals require 12 months.	Gift funds and cash-out proceeds may be used for reserves in some cases.
AmWest	3 months for loans ≤ $1M, 6 months for loans > $1M.	DSCR < 1.00 requires 6 months of reserves.
Angel Oak	6 months for standard DSCR loans. Foreign Nationals require 12 months.	Applies to the Investor Cash Flow program.
Change Wholesale	3 months for loans $125K-$500K, 6 months for $500K-$2M.	Applies to the Investor program.
Deephaven	3 months for loans ≤ $1M, 6 months for loans > $1M.	DSCR < 1.00 and Foreign Nationals require 6 months.
NQM Funding	3 months for loans ≤ $500K, 6 months for $500K-$2M, 12 months for > $2M.	Multi-family properties at 80% LTV require the greater of 6 months or the standard reserve requirement.
FundLoans	3 months for loans ≤ $1M, increasing to 12 months for larger loans or DSCR < 1.00.	Add 2 months for each additional owned property (OREO).
Newfi Lending	4 months for standard loans, 6 months for loans > $1M, 12 months for loans > $2M.	Novice investors require 8 months of reserves.

If you need more details about a specific lender or program, let me know!