Can You Get a DSCR Loan on a House With an ADU?
Can a house with an ADU qualify for a DSCR loan? Learn when accessory dwelling unit income counts, how appraisals and leases affect underwriting, and which questions to ask.
The Right DSCR Loan Starts With the Right Lender
FastTrack DSCR is an independent business-purpose mortgage broker. We compare multiple lenders for rental-property purchases, refinances and specialty scenarios—helping you find competitive terms and a program that fits your deal. Eligible options include up to 85% LTV for purchases and rate-and-term refinances, and up to 80% LTV for cash-out, subject to program requirements.
Purchase & Refinance • Standard & Specialty DSCR • Rental Properties • Nationwide Programs
Introducing LenderMatch™
One Property. Many Lenders. Which One Fits Your Deal?
Rate matters—but so do DSCR minimums, LTV caps, credit score, property type, state availability, loan purpose, reserves, fees and prepayment structure. A lender that looks great for one investor may be the wrong fit for the next.
DSCR research and guides | How we evaluate programs
Compare a DSCR broker with a direct lender
DSCR research and guides | How we evaluate programs
Compare a DSCR broker with a direct lender
That’s Why We Built LenderMatch.
Instead of starting with one lender and trying to make your scenario fit its box, FastTrack starts with the deal.
✓ We capture the variables that actually change lender eligibility.
✓ We compare your scenario against our curated lender database and program criteria.
✓ We narrow the field to the lenders and programs worth pricing for your specific deal.
✓ Then we compare the details that matter: rate, fees, leverage, prepay and structure.
Not More Choices. Better-Fit Choices.
LenderMatch™ Scenario Engine
Your Deal → LenderMatch → Best Fits
Scenario inputs are screened against lender program criteria, then narrowed to the options worth pricing for the specific deal.
1. Best-Fit Lender — Strong Match
2. Alternative Lender — Strong Match
3. Specialty Option — Good Match
A Focused Shortlist for Your Deal.
LenderMatch helps FastTrack focus the search, compare the right programs and spend time pricing the lenders most likely to deliver the best overall fit.
Competitive on Clean Files. Capable When the Deal Gets Complicated.
FastTrack DSCR is built for both sides of the DSCR market: clean, straightforward files where pricing and terms matter, and more difficult scenarios where lender guidelines matter just as much. We compare multiple programs instead of assuming one lender is automatically the best fit.
For strong-credit, strong-DSCR purchases and refinances, we compete on rate, fees, LTV, prepayment structure, and overall terms. When a deal falls outside the standard box, our broader lender network gives us more ways to find a workable solution.
DSCR Loan Programs
Competitive options for clean, straightforward DSCR loans—plus specialty programs when the deal needs more flexibility.
Standard DSCR Purchase & Refinance
Eligible DSCR options reach up to 85% LTV for purchases and rate-and-term refinances, and up to 80% for cash-out. Eligible purchases may require as little as 15% down before closing costs and reserves. We compare rates, fees, leverage and prepayment terms for the complete scenario.
Specialty DSCR & Alternative Scenarios
When the deal falls outside the standard box, our lender depth becomes even more valuable. We can review low-FICO and no-score, low-DSCR and no-ratio, high-LTV, STR/Airbnb, manufactured-home, PadSplit and co-living, second-position loans and investor HELOCs, blanket/portfolio, and 40-year DSCR scenarios.
Latest DSCR Guides
Practical answers for real-estate investors comparing DSCR programs, qualification rules, and financing strategies.
Do DSCR Lenders Use Gross Rent or Net Income?
Do DSCR lenders use gross rent or net income? See the PITIA formula, why lender ratios differ, and how a property can qualify yet lose money.
Is PadSplit Profitable? How to Underwrite a Rent-by-the-Room Rental Before You Buy
Is PadSplit profitable? See a realistic seven-room rent-by-the-room example with occupancy, platform fees, operating costs, cash flow, and DSCR lender requirements.
FAQs
DSCR Frequently Asked Questions
Do your lenders require experience?
No. We work with programs for experienced investors and borrowers purchasing their first investment property. Available leverage, pricing, and reserve requirements may vary by experience.
Do you offer fix and flip loans?
Our core expertise is long-term rental financing. When a property needs renovation first, we can also review bridge or fix-and-flip options and help plan a DSCR refinance after stabilization.
What's the main difference between conventional and private lending?
Conventional loans focus heavily on personal income and debt-to-income ratios. DSCR loans are business-purpose mortgage loans that generally qualify primarily through rental income and property cash flow, while credit, reserves, value, and other lender guidelines still apply.
How long are the financing options?
Available structures may include 30- or 40-year terms, fixed or adjustable rates, and interest-only periods. Options depend on the lender, property, transaction type, and borrower profile.
Do your lenders report the loans to the credit bureaus?
Credit reporting varies by lender and program. Many business-purpose DSCR loans may not appear on personal credit reports, but we confirm the reporting treatment for each specific option before you proceed.