Lo que generalmente se necesita para un préstamo DSCR.

Los requisitos exactos varían por prestamista mayorista y escenario. A continuación, los más comunes.

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Requisitos comunes

Puntaje de crédito: típicamente 620+; mejores tasas con 680 o más.
Reservas: generalmente 6–12 meses de PITIA, dependiendo del programa y DSCR.
LTV: hasta 80% en programas elegibles; programas STR y excepciones pueden ser más conservadores.
DSCR: generalmente ≥1.0; programas No-Ratio o DSCR bajo requieren compensación.
Tipo de propiedad: 1–8 unidades, condominios aprobados, townhomes. STR y multifamiliar tienen sus propios límites.
Vestimenta: LLC, LP, S-Corp, C-Corp aceptadas con documentación de entidad.
Seguros: seguro de propiedad y responsabilidad vigente; huracán/inundación si aplica.
Experiencia: algunos programas exigen historial de arrendador para LTV más alta o propiedades de 5–8 unidades.

No ofrecemos aprobaciones garantizadas ni tasas fijas sin suscripción. Cada escenario se envía a uno o más prestamistas mayoristas y la aprobación es cosa del prestamista, no de Simply Approved Mortgages LLC.

¿Cumple los requisitos?

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Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

Secure, PCI-compliant checkout hosted by MeridianLink
Required for a formal investor pre-approval decision
Soft-touch process — your loan officer will guide you through it

Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

See all 3 bureau reports & scores before your lender does
Ongoing monitoring alerts you to new accounts or score changes
Fix errors early — cleaner credit can widen your investor loan options

Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

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