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The No-Ratio DSCR Deep Dive: When ‘No DSCR Required’ Is Actually the Right Call

The No-Ratio DSCR Deep Dive: When ‘No DSCR Required’ Is Actually the Right Call

by American Heritage Lending | Aug 24, 2026

Key Takeaways A no-ratio DSCR loan waives the cash-flow test at closing, qualifying on credit, equity, reserves, and experience instead of requiring rent to cover the payment (a 1.0x DSCR). AHL writes no-ratio loans down to 0.75x DSCR and, in some cases, below, for...

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