Can You Get a DSCR Loan Under $100,000?

Yes—some DSCR programs start below $100,000, but small-balance rental loans have a smaller lender pool and can carry different leverage, DSCR or pricing rules.

The short answer

Yes. FastTrack’s retained lender evidence includes multiple DSCR programs with published minimum loan amounts around $75,000. Other lenders start at $100,000, $125,000, $150,000 or higher, so the lender universe shrinks as the requested loan gets smaller.

Small loan size can change leverage

Some matrices have separate small-balance tiers. A lender may allow the property type and credit profile but cap LTV more aggressively at a lower loan amount.

Minimum loan amount is program-specific

A lender may have one minimum for standard 1–4-unit DSCR, a different minimum for sub-1.00 DSCR, and a much higher minimum for 5+ units or portfolio structures. The lowest number on a lender’s website should not be applied to every product.

Why small loans can be harder to price

Many closing and underwriting costs are relatively fixed, so a smaller loan can carry a higher effective cost as a percentage of the balance. Compare fees and prepayment terms along with rate.

What FastTrack checks

LenderMatch™ compares requested loan amount with the program’s minimum and maximum before evaluating credit, DSCR, LTV, property, purpose, state and other overlays.

Frequently Asked Questions

Can I get a $75,000 DSCR loan?

Potentially. FastTrack retains current lender evidence for standard DSCR programs with a $75,000 minimum, although other qualification rules still apply.

Can a low-DSCR loan also be under $100,000?

Sometimes, but some lenders raise the minimum loan amount for sub-1.00 DSCR tiers.

Are fees higher on a small DSCR loan?

The dollar fees may not be dramatically higher, but fixed costs can represent a larger percentage of a smaller loan.

Keep Exploring

Standard DSCR Loans • DSCR Credit Score Requirements • Investor Knowledge Center

Business-purpose investment properties only. Program availability, pricing, leverage, documentation and approval remain subject to lender guidelines and underwriting. This information is general and is not a commitment to lend.