DSCR FUSION
Qualifying Using Rental Income + Asset Utilization
Solution for Investors with Rental Income Shortage
Highlights
- No Personal Income Needed to Qualify
- Qualifying Using Rental Income + Asset Utilization = $$$
- Max loan amount $2,500,000
- 80% LTV Max
- Minimum DSCR: >=0.75 and under.99 without assets. With assets factored in: >=1.15
- Assets Used to Qualify: 401K, retirement accounts, cash in the bank, stocks, bonds, IRAs, mutual funds
- 2-4 Unit properties and Condominiums permitted
- 75% LTV for Rate & Term
- 70% LTV for Cash-Out Refi
- Minimum FICO 680 FICO
- Gift Funds allowed
- No limit on Financed Properties
- Cash-Out can be used as reserves
*Special applies to all eligible Non-QM (except Closed End Seconds, Stand alone Seconds, HELOCs, Select and DSCR 5-8).
Offers valid for loans locked between 1/1/2026 and 1/31/2026. All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated. Terms, restrictions, and conditions apply. This is not a commitment to lend.
Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.
GIANT Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.