For lower-coverage rental scenarios.
Up to 75% LTV with no minimum DSCR — built for properties that don't quite hit traditional cash-flow ratios but still pencil with the right capital stack.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
Send the address, current rent, and entity docs
We size to 75% LTV regardless of DSCR
Appraisal with rent schedule
Close in your LLC
Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.
Investor banking on rent growth + appreciation
Funded at 75% LTV despite DSCR below 1.0.
% of value financed at purchase — click a bar to open the program
USD millions — click a bar to open the program
Lower band = best-case pricing. Hover for details, click to open the program.
Most DSCR programs require coverage of at least 1.0; a few products waive the floor entirely in exchange for a lower LTV cap.
This is the right tool when an investor expects rent growth or value-add upside that the in-place rent doesn't yet reflect.
Pricing is slightly higher than standard DSCR loans because of the relaxed coverage requirement.
Quick answers about No Minimum DSCR. Not seeing your question? Talk to a loan officer below.
Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.
