personal credit scores are not completely irrelevant in DSCR loans but they have a small factor to play. This forward looking information is actually used by the lenders to look into the credit scores while deciding further interest rates for the borrower. Nonetheless, it is clear that the key factor to consider in DSCR loans is the capacity of the property to generate income, which means that people with lower credit scores can get this kind of financing provided they meet the lenders’ income criteria with regard to the property.

More information: https://accountingbyte.com/dscr-loan-requirements/