What is the minimum reserve requirement for a DSCR loan?

The minimum reserve requirement for a DSCR loan varies by lender and program, ranging from 3 to 12 months of housing payments (PITIA).

Here’s a summary of the minimum reserve requirements for DSCR loans across lenders:

Lender	Minimum Reserves
A&D Mortgage	3 months for loans ≤ $1M; 6 months for $1M-$2M; 12 months for > $2M or Foreign Nationals.
AmWest	3 months for loans ≤ $1M; 6 months for loans > $1M.
Angel Oak	6 months for most loans; 12 months for Foreign Nationals.
Champions Funding	6 months for most loans; 9 months for loans > $1.5M.
Change Wholesale	3 months for loans ≤ $500K; 6 months for loans > $500K.
Deephaven	3 months for loans ≤ $1M; 6 months for loans > $1M or DSCR < 1.00.
NQM Funding	3 months for loans ≤ $500K; 6-12 months for higher loan amounts or multi-family properties.
Loan Stream	3 months for most DSCR loans.
FundLoans	3 months for loans ≤ $1M; up to 12 months for higher loan amounts or DSCR < 1.00.
Newfi Lending	4 months for most loans; 6-12 months for higher loan amounts or novice investors.

If you have a specific loan amount or scenario in mind, let me know, and I can provide more tailored details!

Revaluate my loan scenario with the updated available lenders

The minimum reserve requirement for DSCR loans varies by lender and program, ranging from 0 to 12 months of housing payments (PITIA).

Here’s a summary of the reserve requirements and key program details for DSCR loans across the available lenders:

Lender	Program Name	Minimum Reserves	Key Features
Arc Home	Access DSCR / Edge DSCR	3-9 months depending on loan amount	Business purpose loans, repayment based on property income and debts.
Orion Lending	COIN Business Purpose Investor Cash Flow	2-12 months depending on loan amount and purpose	DSCR as low as 0.75, short-term rentals allowed, fixed and ARM options.
HomeXpress	InvestorX	0-6 months depending on LTV and DSCR	No income disclosure, short-term rental income allowed, multiple loan products.
Oaktree Funding	Investor Advantage / Cash Flow Advantage	3-12 months depending on loan size and property type	DSCR as low as 0.75, interest-only options, foreign national eligibility.
Verus Mortgage Capital	Investor Solutions – DSCR	6-12 months depending on loan amount	DSCR loans for single investment properties, LTV up to 80%, loan amounts up to $3.5M.
Axos Bank	DSCR EXPRESS / Expanded DSCR	0-12 months depending on loan amount and purpose	No Ratio DSCR available, short-term rentals allowed, cash-out proceeds eligible.
UWM	Investor Flex 30-Year Fixed	6-12 months depending on program and property type	No borrower income documentation, no DTI calculation, DSCR-based qualification.

Lowest Reserve Requirement: HomeXpress (0 months for LTV ≤ 65%).
Highest Reserve Requirement: UWM (up to 12 months for certain programs).
Flexibility: Many lenders allow cash-out proceeds to meet reserve requirements or offer No Ratio DSCR options.

If you’d like more details about a specific lender or program, let me know!