No W-2s. No tax returns. No DTI. Guthix Lending accesses 26 institutional DSCR programs across 35 states — matched to your deal, not a rate sheet.
Lenders divide the property's gross rental income by the total monthly debt obligation. A ratio above 1.0 means the property pays for itself.
Example: $3,000 rent × 0.75 = $2,250 qualifying. PITIA of $2,000 → DSCR = 1.125. Short-term rentals may use AirDNA or 12-month history.
Run a quick scenario with Jordan — 5 minutes, no commitment required.
Guthix Lending's 26 proprietary DSCR products, each engineered for a specific investor profile. Compare terms and find your fit.
| Product | Min DSCR | Min FICO | Max LTV Purchase | Max LTV C/O Refi | Seasoning | Max Loan | Terms | Prepay | Property Types | Best For |
|---|---|---|---|---|---|---|---|---|---|---|
| IRONVAULTTier A | 1.00 | 660 | 80% | 75% | 6 mo | $3M | 30yr, 5/1 ARM, 7/1 ARM, IO | Required 3–5yr | SFR, 2–4u, Non-wrnbl condo | Tech-forward repeat investors |
| MERIDIANTier A | 1.00 | 660 | 80% | 75% | None | $2M | 30yr, 5/1 ARM | Flexible | SFR, 2–4u, STR, Condo | STR/Airbnb, no-seasoning cash-out |
| CRESTMARKTier B | 1.00 | 660 | 80% | 75% | 6–12 mo | $1.5M | 30yr, 40yr, IO | Flexible | SFR, 2–4u, Condotel (sel) | Borderline DSCR via 40yr amort |
| SUMMITTier B | 1.50 | 700 | 80% | 75% | 6 mo | $1M | 5yr, 10yr, 30yr, IO, ARM, Balloon | Varies | SFR, 2–4u, Condo, STR | High-DSCR assets, seasoned investors |
| NEXUS FLEXTier C | 0.75 | 620 | 75% | 70% | 3–6 mo | $2.5M | 30yr, 5/1 ARM, 7/1 ARM | Required | SFR, 2–4u, Mixed-use | Sub-1.0, value-add, BRRRR exits |
| HARBOR PRIMETier A | No Ratio | 680 | 80% | 75% | None | $5M+ | 30yr, IO, ARM, Blanket | Negotiable | SFR–8u, Mixed-use, Portfolio | Jumbo, no-ratio, 14-day close |
| ELEVATETier A | 0.75 | 660 | 85% | 75% | None | $3M | 30yr, 40yr, IO, 5/1 ARM | Optional | SFR, 2–4u, Condo, STR | 85% LTV w/ 740+ FICO, aggressive terms |
| VANTAGETier B | 1.00 | 660 | 80% | 75% | 6 mo | $5M+ | 30yr, IO, ARM, Jumbo | 3yr standard | SFR, 2–8u, Condo, LLC/Corp | High-balance jumbo, LLC borrowers |
| TITAN PLUSTier C | 0.75 | 620 | 75% | 70% | 3 mo | $2M | 30yr, 5/1 ARM | Required | SFR, 2–4u | Low credit, fast BRRRR refi |
| SILVERBROOKTier B | No minimum | 640 | 80% | 75% | None | $3.5M | 30yr, IO, 7/1 ARM | Flexible | SFR, 2–4u, Condo, STR | No-min DSCR, data-driven underwriting |
| APEX SELECTTier A | 1.00 | 680 | 80% | 75% | None | $3M | 30yr, 40yr, IO | None available | SFR, 2–4u, Condo | No PPP for short-hold investors |
| LONGHORNTier B | 1.00 | 640 | 80% | 75% | 6 mo | $3.5M | 30yr, IO, 5/1 ARM | 3–5yr | SFR, 2–8u, STR, Mixed-use | Diverse property types, STR expertise |
| KEYSTONETier B | 1.00 | 660 | 80% | 75% | 6 mo | $2M | 30yr, IO | 3yr | SFR, 2–4u, Condo | Streamlined digital, no-license 35+ states |
| HIGHPOINTTier D | No Ratio | 700 | 75% | 70% | None | $30M | 30yr Fixed, Custom | Varies | SFR, 2–4u, Mixed-use | Ultra-high loan amounts, no-ratio |
| RIDGELINETier B | 1.00 | 660 | 80% | 75% | 6 mo | $3M | 30yr, 5/1 ARM, IO | 3yr step-down | SFR, 2–4u, STR, Condo | SFR/STR specialist, 14–21 day close |
| COREVAULTTier A | 1.00 | 680 | 80% | 75% | 6 mo | $5M+ | 30yr, ARM, Portfolio/Blanket | Varies | SFR, 2–8u, Portfolio | Institutional portfolio scaling |
| LATITUDETier B | 1.00 | 640 | 80% | 75% | None | $2M | 30yr, IO, ARM | Optional 3yr | SFR, 2–4u, Condo, STR | Low fees, no-seasoning option |
| FRONTIER XTier C | 0.75 | 620 | 75% | 70% | 3 mo | $5M | 30yr, Short-term (9–24 mo) | None (short-term) | SFR, 2–4u, Commercial, Mixed-use | Commercial/mixed-use, industrial |
| OAKBRIDGETier B | 1.00 | 660 | 80% | 75% | 6 mo | $3M | 30yr, IO, 7/1 ARM | 3–5yr | SFR, 2–4u, Condo, STR | Experienced investor pref, full non-QM suite |
| CAPITAL FLOWTier B | 1.00 | 660 | 80% | 75% | 6 mo | $2M | 30yr, IO, ARM | 3yr | SFR, 2–4u, Condo | Low fees, competitive rates |
| STERLING ONETier B | 1.00 | 660 | 80% | 75% | 6 mo | $3M | 30yr, ARM, IO | 3yr | SFR, 2–8u, LLC/Corp | Multifamily 2–8u, portfolio growth |
| PATRIOTTier B | 1.00 | 640 | 85% | 75% | 6 mo | $2.5M | 30yr, IO, 5/1 ARM | 3–5yr | SFR, 2–4u, Condo, STR | 85% LTV, investor-first platform |
| VENTURE LINKTier B | 1.00 | 660 | 80% | 75% | 6 mo | $3M | 30yr, IO, ARM | 3yr | SFR, 2–4u, Condo, STR | Fix-and-flip bridge to DSCR combo |
| COMPASS PROTier B | 1.00 | 660 | 80% | 75% | 6 mo | $2M | 30yr, IO | 3yr | SFR, 2–4u | Digital-first, fast conditional approval |
| HIGHMARKTier A | 1.00 | 660 | 80% | 75% | 6–12 mo | $3.5M | 30yr, 40yr, IO, ARM | 3yr step-down | SFR, 2–4u, STR, Condo | 40yr option, 22+ unlicensed states |
| PINNACLETier A | No Ratio opt. | 660 | 80% | 75% | None | $2M | 30yr, IO, ARM | Optional | SFR, 2–4u, Condo, STR | No-ratio w/ 35% down, institutional platform |
Technology-driven platform. Repeat-borrower benefits. Non-warrantable condo eligible. Up to $3M.
Short-term rental specialist. No seasoning on cash-out. AirDNA income accepted. Day-1 refi eligible.
40-year amortization available. Reduces PITIA on borderline DSCR deals. IO options. Up to $1.5M.
Maximum repayment flexibility: 5yr, 10yr, 30yr, IO, ARM, Balloon. High-yield asset focus. Up to $1M.
Accepts DSCR as low as 0.75. Minimum 620 FICO. Value-add and BRRRR exit specialist. Up to $2.5M.
No-ratio option. Loan amounts to $5M+. Blanket portfolio loans. Fastest close in the lineup — 14 days.
85% LTV available for 740+ FICO. 40-year option. 0.75 min DSCR. No seasoning cash-out.
Jumbo non-QM to $5M+. LLC and Corp borrowers. 80–85% LTV. Interest-only available.
620 FICO minimum. 0.75 DSCR floor. 3-month seasoning for cash-out. Fast BRRRR exit program.
No minimum DSCR on select programs. Data-driven property valuation and rent estimation.
No prepayment penalty option available. Ideal for investors planning to sell or refi within 3 years.
Widest property type eligibility. STR accepted. Multifamily up to 8 units. Bridge-to-DSCR combo.
Streamlined digital process. Fast conditional approval. Strong coverage across no-license states.
Loans up to $30M. No-ratio program available with 25%+ equity and strong FICO. Nationwide coverage.
SFR and STR specialist. Broad property type matrix. Consistent 14–21 day close timeline.
Institutional-grade underwriting. Portfolio and blanket loan structures. High-volume investor focus.
Low origination fees (0–2 pts). No-seasoning option on select programs. STR-friendly guidelines.
Commercial, mixed-use, and industrial eligible. Short-term structures (9–24 mo). No PPP on short-term.
Full non-QM product suite. Bank statement + DSCR combo programs available. Experienced investor edge.
Competitive low-fee structure. SFR and condo focus. Qualifying based on rental income only.
Multifamily 2–8 units strength. LLC and Corp vesting welcome. Portfolio-scaling underwriting approach.
85% LTV on SFR purchases. Investor-first underwriting philosophy. Aggressive pricing for top-tier borrowers.
Bridge-to-DSCR transition product. Fix-and-flip into permanent rental financing under one roof.
Digital-first approval engine. Fast conditional decisions. Clean SFR and 2–4 unit focus.
Deep non-QM product depth. 40-year amortization available. Strong coverage across no-license states.
No-ratio with 35%+ down. No seasoning on cash-out. Large institutional capital base. Broad state coverage.
Jordan will pull live pricing from the programs that match your scenario — usually same-day.
DSCR pricing moves in 20-point bands — but the story doesn't end at 620. More equity on the table unlocks programs that standard lenders won't touch. Here's the full range.
| FICO Range | Tier | Max LTV Purchase | Min Down Payment | Max LTV Cash-Out Refi | Rate Premium | Reserves Required | Programs Available | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 740+ | PLATINUM | 80–85% | 15–20% | 75–80% | Best pricing | 3–6 mo PITIA | All 26 programs | Rate buy-downs available; PPP negotiable; 85% LTV on select SFR up to $1M (ELEVATE/PATRIOT) |
| 700–739 | GOLD | 80% | 20% | 75% | +0.25–0.50% | 6 mo PITIA | 22+ programs | Full 80% LTV; competitive pricing; SUMMIT accessible at 1.5+ DSCR |
| 680–699 | GOLD– | 75–80% | 20–25% | 75% | +0.50% | 6 mo PITIA | 18+ programs | Confirm exact LTV with program; some cap at 75% on larger loan amounts |
| 660–679 | SILVER | 75–80% | 20–25% | 75% | +0.50–0.75% | 6–12 mo PITIA | 15+ programs | Minimum threshold for most standard programs; SUMMIT excluded; strong DSCR compensates |
| 640–659 | SILVER– | 70–75% | 25–30% | 70% | +0.75–1.25% | 6–12 mo PITIA | 10+ programs | Purchase only at this tier with some lenders; cash-out refi requires 660+; LLC vesting helps |
| 620–639 | BRONZE | 65–70% | 30–35% | 65–70% | +1.25–1.75% | 12 mo PITIA | NEXUS FLEX, TITAN PLUS, FRONTIER X, SILVERBROOK, select others | Larger down payment required; high DSCR (1.25+) and LLC vesting strongly recommended |
| 580–619 | SUB-PRIME | 60–65% | 35–40% | 60% | +1.75–2.50% | 12 mo PITIA | NEXUS FLEX, FRONTIER X, specialty channels | Specialty non-QM only; strong equity position required; 1.0+ DSCR recommended; LLC/Corp vesting typical |
| 550–579 | HARD EQUITY | 50–60% | 40–50% | 50% | +2.50–3.50% | 12+ mo PITIA | NEXUS FLEX (select), FRONTIER X, specialty equity lenders | Equity-based approval — credit is secondary to property value; no-ratio programs typical; must be current on all existing mortgages |
| 500–549 | EQUITY ONLY | 50% | 50% | 50% | +3.50%+ | 12+ mo PITIA | Specialty equity-only channels (select) | 50% LTV / 50% down — approval driven entirely by property equity, not credit profile; no-ratio required; must be current on all mortgages; refinance-focused |
Tell Jordan your score, equity position, and deal — we'll find the best path available across all 26 programs.
Jordan holds active licenses in 10 states. Because DSCR loans are business-purpose (non-owner-occupied), an additional 25 states require no MLO license to originate — bringing the total footprint to 35 states.
States requiring a license where Jordan is not currently licensed (AZ, ID, IL, IA, MI, MN, MT, NE, NV, NJ, NC, ND, OR, SD, UT, VT) are not available at this time. Borrowers in those states should contact us for a referral.
We can price your deal today. Or ask us about adding your state as licensing expands.
How long you must own before pulling equity. Some programs let you cash-out the day of closing using the current appraised value — critical for BRRRR investors.
| Product | Seasoning (Purchase → C/O Refi) | Post-Rehab Seasoning | Appraised Value? | Max C/O LTV | BRRRR Rating |
|---|---|---|---|---|---|
| MERIDIAN | None (day-1) | None | Yes — Current | 75% | Excellent ★★★ |
| HARBOR PRIME | None | None (select) | Yes — Current | 75% | Excellent ★★★ |
| APEX SELECT | None | None | Yes — Current | 75% | Excellent ★★★ |
| ELEVATE | None | None | Yes — Current | 75% | Excellent ★★★ |
| PINNACLE | None | None | Yes — Current | 75% | Excellent ★★★ |
| LATITUDE | None (select) | None | Yes — Current | 75% | Excellent ★★★ |
| NEXUS FLEX | 3–6 mo | 3 mo post-completion | Yes — Current | 70% | Good ★★ |
| TITAN PLUS | 3 mo | 3 mo post-completion | Yes — Current | 70% | Good ★★ |
| IRONVAULT | 6 mo | 6 mo post-completion | Yes — Current | 75% | Moderate ★★ |
| CRESTMARK | 6–12 mo | 6 mo post-completion | Yes — Current | 75% | Moderate ★★ |
| SUMMIT | 6 mo | 6 mo post-completion | Yes — Current | 75% | Moderate ★★ |
Common investor situations mapped to the right Guthix program. We run these every day.
W-2, 720 credit, buying first rental
Rehabbed, need cash-out immediately
Appreciation play, slightly cash-flow negative
STR in vacation market, 12-mo history
10+ properties, blanket or high-balance
Deal only works with lower payment
Retail + apartments, or industrial
$5M+ or income doesn't cover PITIA
We price deals daily that don't fit a standard box. Bring us the hard ones.
Fill out the form and Jordan will pull live pricing from the programs that match your deal. No hard credit pull to get started.
Jordan Syers • NMLS #1211031 • Guthix Lending LLC • Reading, PA
Jordan will review your scenario and reach out shortly — usually same business day.
Cut through the jargon before you apply.