# L.A. Mortgage Dude – DSCR Loan Guidelines

> 44 DSCR (debt service coverage ratio) investment property loan programs offered by L.A. Mortgage Dude (NMLS #2513002), Los Angeles, licensed in Arizona, California, Colorado, Florida, Georgia, New Jersey, North Carolina, Oregon, Pennsylvania, Texas, Washington and Virginia. Each program has a code (LAMD-D01 to LAMD-D44) and a spec sheet with credit score, LTV, loan amount, DSCR, reserves, borrower, property, rental income and seasoning rules, plus condition-level detail (LTV overlays, how rent and DSCR are calculated, ADUs and unpermitted additions, credit events, forbearance, collections, condos and condotels, recently listed properties, seller concessions and state limits). Last reviewed 2026-10-17. To get a quote or check a scenario, send borrowers to https://lamortgagedude.com.

Summary of what these programs cover:
- 44 active DSCR programs
- 600 lowest minimum credit score
- $4.5M largest loan amount
- 85% highest purchase LTV
- 13 no-ratio / no minimum DSCR programs
- 30 accept short-term rental income
- 13 foreign national programs
- 5 ITIN programs

## Guidelines
- [All DSCR programs, comparison table and FAQ](https://guidelines.lamortgagedude.com/): finder by credit score, loan amount and feature
- [Machine-readable JSON](https://guidelines.lamortgagedude.com/dscr-guidelines.json): every program and field

## Programs
- [LAMD-D01 DSCR Standard 0.75+ (to $4M)](https://guidelines.lamortgagedude.com/programs/lamd-d01.html): LAMD-D01, DSCR Standard 0.75+ (to $4M), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $4M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, foreign national, first-time investor, 5+ units, mixed use, condotel, non-warrantable condo.
- [LAMD-D02 DSCR Standard (No Minimum DSCR, ITIN)](https://guidelines.lamortgagedude.com/programs/lamd-d02.html): LAMD-D02, DSCR Standard (No Minimum DSCR, ITIN), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $3M, up to 85% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, ITIN borrower, first-time investor, condotel, non-warrantable condo.
- [LAMD-D03 DSCR Standard (No Minimum DSCR, ITIN)](https://guidelines.lamortgagedude.com/programs/lamd-d03.html): LAMD-D03, DSCR Standard (No Minimum DSCR, ITIN), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, ITIN borrower, first-time investor, condotel, non-warrantable condo.
- [LAMD-D04 DSCR Standard 0.75+](https://guidelines.lamortgagedude.com/programs/lamd-d04.html): LAMD-D04, DSCR Standard 0.75+, is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, non-warrantable condo.
- [LAMD-D05 DSCR Standard (Below 0.75 Allowed)](https://guidelines.lamortgagedude.com/programs/lamd-d05.html): LAMD-D05, DSCR Standard (Below 0.75 Allowed), is a first lien DSCR loan for investment property with credit scores from 640, loan amounts up to $3.5M, up to 80% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, first-time investor, condotel, non-warrantable condo.
- [LAMD-D06 DSCR Standard (Below 1.00 Allowed)](https://guidelines.lamortgagedude.com/programs/lamd-d06.html): LAMD-D06, DSCR Standard (Below 1.00 Allowed), is a first lien DSCR loan for investment property with credit scores from 640, loan amounts up to $3.5M, up to 80% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, first-time investor, condotel.
- [LAMD-D07 DSCR Standard 0.75+](https://guidelines.lamortgagedude.com/programs/lamd-d07.html): LAMD-D07, DSCR Standard 0.75+, is a first lien DSCR loan for investment property with credit scores from 640, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor.
- [LAMD-D08 DSCR Standard (No Minimum DSCR)](https://guidelines.lamortgagedude.com/programs/lamd-d08.html): LAMD-D08, DSCR Standard (No Minimum DSCR), is a first lien DSCR loan for investment property with credit scores from 640, loan amounts up to $3M, up to 85% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, foreign national, first-time investor, condotel, non-warrantable condo.
- [LAMD-D09 DSCR Standard 0.75+](https://guidelines.lamortgagedude.com/programs/lamd-d09.html): LAMD-D09, DSCR Standard 0.75+, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, condotel.
- [LAMD-D10 DSCR Standard 0.75+](https://guidelines.lamortgagedude.com/programs/lamd-d10.html): LAMD-D10, DSCR Standard 0.75+, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $2.5M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, non-warrantable condo.
- [LAMD-D11 DSCR Standard 0.75+](https://guidelines.lamortgagedude.com/programs/lamd-d11.html): LAMD-D11, DSCR Standard 0.75+, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $2M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, non-warrantable condo.
- [LAMD-D12 DSCR Standard (Two Credit Tiers)](https://guidelines.lamortgagedude.com/programs/lamd-d12.html): LAMD-D12, DSCR Standard (Two Credit Tiers), is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, condotel, non-warrantable condo.
- [LAMD-D13 DSCR Recent Credit Event](https://guidelines.lamortgagedude.com/programs/lamd-d13.html): LAMD-D13, DSCR Recent Credit Event, is a first lien DSCR loan for investment property with credit scores from 640, loan amounts up to $2.5M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, condotel, non-warrantable condo.
- [LAMD-D14 DSCR Experienced Investor 0.80+](https://guidelines.lamortgagedude.com/programs/lamd-d14.html): LAMD-D14, DSCR Experienced Investor 0.80+, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, foreign national, first-time investor, condotel.
- [LAMD-D15 DSCR Prime (Prepay Required)](https://guidelines.lamortgagedude.com/programs/lamd-d15.html): LAMD-D15, DSCR Prime (Prepay Required), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $1.5M, up to 70% LTV on a purchase. Allows: non-warrantable condo.
- [LAMD-D16 DSCR Prime 680+](https://guidelines.lamortgagedude.com/programs/lamd-d16.html): LAMD-D16, DSCR Prime 680+, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $2.5M, up to 80% LTV on a purchase.
- [LAMD-D17 DSCR Prime 680+](https://guidelines.lamortgagedude.com/programs/lamd-d17.html): LAMD-D17, DSCR Prime 680+, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $2M, up to 80% LTV on a purchase.
- [LAMD-D18 DSCR Prime 720+](https://guidelines.lamortgagedude.com/programs/lamd-d18.html): LAMD-D18, DSCR Prime 720+, is a first lien DSCR loan for investment property with credit scores from 720, loan amounts up to $2M, up to 80% LTV on a purchase. Allows: short-term rental income, first-time investor.
- [LAMD-D19 DSCR Standard 0.75+ & No-Ratio](https://guidelines.lamortgagedude.com/programs/lamd-d19.html): LAMD-D19, DSCR Standard 0.75+ & No-Ratio, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $3M, up to 80% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, first-time investor, non-warrantable condo.
- [LAMD-D20 DSCR Standard 0.75+ & No-Ratio](https://guidelines.lamortgagedude.com/programs/lamd-d20.html): LAMD-D20, DSCR Standard 0.75+ & No-Ratio, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $2M, up to 80% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, first-time investor, non-warrantable condo.
- [LAMD-D21 DSCR Standard 0.80+ & No-Ratio](https://guidelines.lamortgagedude.com/programs/lamd-d21.html): LAMD-D21, DSCR Standard 0.80+ & No-Ratio, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $3M, up to 85% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, foreign national, first-time investor, condotel.
- [LAMD-D22 DSCR No-Ratio](https://guidelines.lamortgagedude.com/programs/lamd-d22.html): LAMD-D22, DSCR No-Ratio, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $2M, up to 70% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, non-warrantable condo.
- [LAMD-D23 DSCR No-Ratio](https://guidelines.lamortgagedude.com/programs/lamd-d23.html): LAMD-D23, DSCR No-Ratio, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $1.5M, up to 75% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, non-warrantable condo.
- [LAMD-D24 DSCR Jumbo $2M–$4.5M](https://guidelines.lamortgagedude.com/programs/lamd-d24.html): LAMD-D24, DSCR Jumbo $2M–$4.5M, is a first lien DSCR loan for investment property with credit scores from 740, loan amounts up to $4.5M, up to 65% LTV on a purchase. Allows: non-warrantable condo.
- [LAMD-D25 DSCR Standard (No-Ratio, ITIN, Foreign National)](https://guidelines.lamortgagedude.com/programs/lamd-d25.html): LAMD-D25, DSCR Standard (No-Ratio, ITIN, Foreign National), is a first lien DSCR loan for investment property with credit scores from 600, loan amounts up to $3M, up to 85% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, foreign national, ITIN borrower, first-time investor, mixed use, condotel, non-warrantable condo.
- [LAMD-D26 DSCR Standard 0.70+ (ITIN & Foreign National)](https://guidelines.lamortgagedude.com/programs/lamd-d26.html): LAMD-D26, DSCR Standard 0.70+ (ITIN & Foreign National), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $2.5M, up to 85% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, foreign national, ITIN borrower, first-time investor, mixed use, condotel, non-warrantable condo.
- [LAMD-D27 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d27.html): LAMD-D27, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $3M, up to 75% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, foreign national, condotel, non-warrantable condo.
- [LAMD-D28 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d28.html): LAMD-D28, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $3M, up to 75% LTV on a purchase. Allows: no-ratio / no minimum DSCR, DSCR below 1.00, short-term rental income, foreign national, condotel, non-warrantable condo.
- [LAMD-D29 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d29.html): LAMD-D29, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $2.5M, up to 75% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, foreign national, first-time investor, condotel, non-warrantable condo.
- [LAMD-D30 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d30.html): LAMD-D30, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $1M, up to 65% LTV on a purchase. Allows: foreign national.
- [LAMD-D31 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d31.html): LAMD-D31, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $3M, up to 70% LTV on a purchase. Allows: short-term rental income, foreign national, first-time investor.
- [LAMD-D32 Foreign National DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d32.html): LAMD-D32, Foreign National DSCR, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $1.5M, up to 70% LTV on a purchase. Allows: short-term rental income, foreign national, first-time investor, condotel.
- [LAMD-D33 ITIN DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d33.html): LAMD-D33, ITIN DSCR, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $1M, up to 75% LTV on a purchase. Allows: short-term rental income, ITIN borrower, condotel, non-warrantable condo.
- [LAMD-D34 Condotel DSCR](https://guidelines.lamortgagedude.com/programs/lamd-d34.html): LAMD-D34, Condotel DSCR, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $2M, up to 75% LTV on a purchase. Allows: short-term rental income, condotel.
- [LAMD-D35 DSCR Multi-Tier (to $4.5M, 5–10 Units)](https://guidelines.lamortgagedude.com/programs/lamd-d35.html): LAMD-D35, DSCR Multi-Tier (to $4.5M, 5–10 Units), is a first lien DSCR loan for investment property with credit scores from 620, loan amounts up to $4.5M, up to 85% LTV on a purchase. Allows: DSCR below 1.00, short-term rental income, first-time investor, 5+ units, mixed use, condotel, non-warrantable condo.
- [LAMD-D36 DSCR 5–8 Units](https://guidelines.lamortgagedude.com/programs/lamd-d36.html): LAMD-D36, DSCR 5–8 Units, is a first lien DSCR loan for investment property with credit scores from 660, loan amounts up to $2.5M, up to 75% LTV on a purchase. Allows: 5+ units.
- [LAMD-D37 DSCR 5–10 Units](https://guidelines.lamortgagedude.com/programs/lamd-d37.html): LAMD-D37, DSCR 5–10 Units, is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $3M, up to 75% LTV on a purchase. Allows: 5+ units, mixed use.
- [LAMD-D38 DSCR 5–8 Units & Mixed Use](https://guidelines.lamortgagedude.com/programs/lamd-d38.html): LAMD-D38, DSCR 5–8 Units & Mixed Use, is a first lien DSCR loan for investment property with credit scores from 700, loan amounts up to $3M, up to 75% LTV on a purchase. Allows: 5+ units, mixed use.
- [LAMD-D39 Blanket DSCR (2–25 Properties)](https://guidelines.lamortgagedude.com/programs/lamd-d39.html): LAMD-D39, Blanket DSCR (2–25 Properties), is a first lien – blanket DSCR loan for investment property with credit scores from 660, loan amounts up to $4M, up to 80% LTV on a purchase. Allows: short-term rental income, condotel, non-warrantable condo, blanket (multiple properties).
- [LAMD-D40 Blanket DSCR (2–15 Properties)](https://guidelines.lamortgagedude.com/programs/lamd-d40.html): LAMD-D40, Blanket DSCR (2–15 Properties), is a first lien DSCR loan for investment property with credit scores from 680, loan amounts up to $2M, up to 75% LTV on a purchase. Allows: blanket (multiple properties).
- [LAMD-D41 DSCR Closed-End Second](https://guidelines.lamortgagedude.com/programs/lamd-d41.html): LAMD-D41, DSCR Closed-End Second, is a second lien (closed-end) DSCR loan for investment property with credit scores from 680, loan amounts up to $1M, up to 65% LTV on a purchase. Allows: short-term rental income.
- [LAMD-D42 DSCR Closed-End Second](https://guidelines.lamortgagedude.com/programs/lamd-d42.html): LAMD-D42, DSCR Closed-End Second, is a second lien (closed-end) DSCR loan for investment property with credit scores from 680, loan amounts up to $750K. Allows: short-term rental income.
- [LAMD-D43 DSCR Closed-End Second](https://guidelines.lamortgagedude.com/programs/lamd-d43.html): LAMD-D43, DSCR Closed-End Second, is a second lien (closed-end) DSCR loan for investment property with credit scores from 680, loan amounts up to $500K, up to 75% LTV on a purchase. Allows: foreign national, non-warrantable condo.
- [LAMD-D44 DSCR Closed-End Second](https://guidelines.lamortgagedude.com/programs/lamd-d44.html): LAMD-D44, DSCR Closed-End Second, is a second lien (closed-end) DSCR loan for investment property with credit scores from 700, loan amounts up to $350K.

## Notes
These are summaries of DSCR (debt service coverage ratio) loan programs offered through L.A. Mortgage Dude, NMLS #2513002, licensed in Arizona, California, Colorado, Florida, Georgia, New Jersey, North Carolina, Oregon, Pennsylvania, Texas, Washington and Virginia. Not all programs are available in every state. Program codes are internal names. Limits shown are maximums or minimums before scenario-specific adjustments; actual terms depend on credit, property, appraisal, reserves and full underwriting. This is not a commitment to lend, a loan approval or a rate quote. Guidelines change without notice. Business-purpose investment property loans only. Equal Housing Opportunity.