How quickly can a DSCR loan close?

Generally faster than a conventional mortgage, because there is less personal income paperwork to assemble and verify. Most files move from application to funding in a matter of weeks, though every timeline depends on how quickly the appraisal comes back, how clean the title work is, and how promptly conditions are returned. Purchases with cooperative sellers and refinances with organized documents tend to move quickest, while entity complications or unusual properties may add time. If you are working against a contract deadline, say so up front, because ordering the appraisal early is often the biggest single time saver. Bank statement files follow a similar rhythm. Our DSCR loan page walks through the process stage by stage.