DSCR Insights

DSCR Loan Down Payment: How Much Do You Actually Need?

DSCR Loan Down Payment: How Much Do You Actually Need?

CapitalVanta
Published on: 23/03/2026

Most DSCR financing requires 20–25% down. The exact number depends on your credit tier, the property’s debt service coverage ratio, and the type of deal you’re bringing to a lender. Here’s how each of those factors works—and what Massachusetts investors should plan for before submitting a file.