Can I obtain a DSCR loan after bankruptcy or foreclosure?

Quite possibly. A past bankruptcy or foreclosure does not permanently close the door on investment property financing. Lenders typically look at how much time has passed since the event was resolved, how your credit has rebuilt since, and the overall strength of the new deal. Seasoning expectations differ widely from program to program, and a few options will consider more recent events when the file shows real compensating strength, such as modest leverage, healthy property cash flow, and comfortable reserves. The story behind the event can matter as well. Because policies shift over time, the practical move is to have your timeline reviewed against today's menu. See which programs fit your situation and plan from there.