Find loans that will work for this scenario: Property Type: SFR, Property State: Arizona, Lien Position: 1st Lien, Loan Purpose: Rate/Term, Occupancy Type: Investment Property, Credit Score: 605, Min Debt Service Coverage Ratio (DSCR): 1, First Time Investor, LTV: 55%, Loan Amount: $185,000, Months of Reserves: 6 months, Income Type: Debt Service Coverage Ratio (DSCR & No Ratio DSCR), Property Value: $335,000, Citizenship: US Citizen, Prepayment Penalty: 1 Year. These are my loan scenario requirements, please recommend programs that will work for this scenario.

The only eligible loan program for your scenario is the Edge DSCR program from Arc Home.

Based on your requirements (SFR in Arizona, 1st lien, rate/term, investment property, credit score 605, DSCR ≥ 1, first time investor, 55% LTV, $185,000 loan, 6 months reserves, DSCR income, US citizen, 1-year prepay), only Arc Home offers a program that fits all criteria.

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Program Match Summary

Lender	Program Name	Eligible?	Key Reason(s)
Arc Home	Edge DSCR	Yes	All scenario requirements met, including min credit score (600), DSCR, LTV, and first time investor allowed
Champions Funding	Accelerator DSCR 1-4 Unit	No	First time investor requires min 680 credit score (your score: 605)
Change Wholesale	None	No	No programs available for this scenario
Deephaven	None	No	All DSCR programs require at least 660–700 credit score
Newfi Lending	None	No	All programs require at least 620–640 credit score for investment property
NQM Funding	None	No	All DSCR programs require at least 640 credit score
Loan Stream	None	No	All DSCR programs require at least 620 credit score; loan amount also too low for some

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Arc Home – Edge DSCR Program Highlights

• Property Type: SFR
• State: Arizona
• Lien Position: 1st
• Loan Purpose: Rate/Term
• Occupancy: Investment Property
• Credit Score: Minimum 600 (you have 605)
• DSCR: Minimum 0.8 (1.0 for first time investor; you meet this)
• First Time Investor: Allowed
• LTV: Up to 80% (your LTV is 55%)
• Loan Amount: Minimum $100,000 (you have $185,000)
• Reserves: 3–9 months (6 months is sufficient)
• Income Type: DSCR/No Ratio DSCR allowed
• Prepayment Penalty: 1 year allowed

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Next Steps

• Review the Edge DSCR program details.
• If you want to discuss rates, documentation, or the application process, let me know!

If your credit score increases or your scenario changes, more options may become available. Would you like more details on the Edge DSCR program or tips to improve eligibility for other lenders?

No eligible loan programs are available for your scenario with any of the currently supported lenders. All programs require a higher minimum credit score than 605 for DSCR investment property loans, even with strong LTV, reserves, and DSCR.

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Summary Table: Lender Program Eligibility

Lender	Eligible?	Reason for Ineligibility
AmWest	No	All programs require at least 620–660 credit score.
HomeXpress	No	No programs available for this scenario.
Orion Lending	No	No programs available for this scenario.
Axos Bank	No	All programs require at least 660–700 credit score for DSCR investment property loans.
Forward Lending	No	All programs require at least 620–640 credit score and/or higher DSCR for investment property loans.
LendSure Mortgage	No	No programs available for this scenario.
The Loan Store	No	No DSCR programs for investment property with a 605 credit score.
UWM	No	All DSCR programs require at least 700 credit score for first time investors.

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Key Takeaways

• Credit Score is the main barrier: All DSCR investment property programs require a minimum credit score of at least 620, and most require 640–700, especially for first time investors.
• Other criteria (LTV, reserves, DSCR, loan amount, property type, etc.) are acceptable for many programs if the credit score requirement is met.
• No lender on the MortgageQ platform currently offers a DSCR investment property loan for a 605 credit score.

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What Can You Do Next?

1. Increase Credit Score: If you can raise your credit score to at least 620 (ideally 640+), more options will become available.
2. Consider Co-Borrower: If you have a co-borrower with a higher credit score, you may qualify for more programs.
3. Alternative Income Types: If you can document income another way (such as full doc or bank statements), let me know and I can check for options.
4. Monitor for New Programs: Let me know if you want to be notified when new programs become available for lower credit scores.

Would you like tips on improving your credit score or want to explore other loan types?

You have one potential lender—Newrez Wholesale—that may offer DSCR investment property loans for your scenario, but all other lenders require a higher credit score for first time investors.

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Lender & Program Eligibility Summary

Lender	Program(s)	Eligible?	Key Reason(s)
ACC Mortgage	Prime, DSCR, etc.	No	Minimum credit score is 620; your score is 605.
BluePoint Mortgage	DSCR Gold, DSCR Blue Expanded	No	Minimum credit score is 660–680 for DSCR programs.
Jet Advantage Mortgage	Select DSCR	No	First time investors require a minimum 660 credit score.
Jet Mortgage	INVESTOR	No	Minimum credit score is 680 for first time investors.
Newrez Wholesale	Smart Series Platinum, Smart Series, SmartVest	Yes	No minimum credit score specified for DSCR/No Ratio DSCR programs; all other criteria met.

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Details for Newrez Wholesale

Eligible Programs

• Smart Series Platinum
• Smart Series
• SmartVest

Why You May Qualify

• Credit Score: No minimum specified for these programs.
• DSCR/No Ratio DSCR: Allowed.
• First Time Investor: Allowed.
• LTV: 55% (well below max).
• Loan Amount: $185,000 (meets minimum).
• Reserves: 6 months (acceptable).
• Property Type/State: SFR in Arizona is eligible.
• Prepayment Penalty: Not specified—confirm with Newrez if 1-year is available.

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Not Eligible: Other Lenders

All other lenders require a higher minimum credit score (typically 620–680) for DSCR investment property loans, especially for first time investors.

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Next Steps

• Review the Smart Series Platinum, Smart Series, and SmartVest programs from Newrez Wholesale.
• Confirm with Newrez Wholesale about the 1-year prepayment penalty option.
• If you want a side-by-side comparison of these programs or more details, let me know!

Would you like a detailed comparison of the Newrez Wholesale programs or help connecting with a loan officer?

No eligible DSCR or No Ratio DSCR investment property loan programs are available for your scenario from the currently supported lenders. Both Oaktree Funding and MK Lending Corporation require a higher minimum credit score for first time investors.

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Lender Program Eligibility Summary

Lender	Eligible?	Reason for Ineligibility
Oaktree Funding	No	No DSCR/No Ratio DSCR programs available for your scenario (minimum credit score for DSCR is 620+).
MK Lending Corporation	No	All DSCR programs require at least 660–680 credit score for first time investors (your score: 605).

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Key Points

• Credit Score is the main barrier: Both lenders require a minimum credit score of at least 620–680 for DSCR investment property loans, especially for first time investors.
• Other criteria (LTV, reserves, DSCR, loan amount, property type, etc.) are acceptable for many programs if the credit score requirement is met.
• No lender on the MortgageQ platform currently offers a DSCR investment property loan for a 605 credit score.

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What Can You Do Next?

1. Increase Credit Score: If you can raise your credit score to at least 620 (ideally 660+), more options will become available.
2. Consider Co-Borrower: If you have a co-borrower with a higher credit score, you may qualify for more programs.
3. Alternative Income Types: If you can document income another way (such as full doc or bank statements), let me know and I can check for options.
4. Monitor for New Programs: Let me know if you want to be notified when new programs become available for lower credit scores.

Would you like tips on improving your credit score or want to explore other loan types?

Lending Pros is not currently a supported lender on the MortgageQ platform, so I cannot provide program eligibility or guideline details for your scenario.

If you have another lender in mind or want to check eligibility with any of the supported lenders, let me know! If your scenario changes (such as a higher credit score or different income documentation), I can recheck for new options.

LendingPros does not allow first time investors for DSCR investment property loans, and ACC Mortgage requires a higher minimum credit score than your current 605. Neither lender has an eligible program for your scenario.

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Details

LendingPros

• First Time Investor: Not allowed for DSCR and NON-QM Matrix programs.
• Result: Your scenario is ineligible because you are a first time investor.

ACC Mortgage

• Minimum Credit Score: 620 for DSCR investment property loans.
• Your Credit Score: 605 (below minimum requirement).
• Result: Not eligible due to credit score.

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If your credit score increases to at least 620, or if you are no longer a first time investor, more options may become available. Would you like tips on improving your credit score or want to explore other loan types?

I do not have access to account executive (AE) contact information for LendingPros.

To find your LendingPros AE, please check your company’s internal contact list, reach out to LendingPros directly, or consult your branch manager or team lead. If you need help with program guidelines or eligibility for supported lenders, I’m here to assist!

Acra Lending is not currently a supported lender on the MortgageQ platform, so I cannot provide program eligibility or guideline details for your scenario.

If you want to check eligibility with any of the supported lenders or if your scenario changes, let me know and I can re-evaluate your options!