What documents are commonly needed for a DSCR loan?

The stack is lighter than a conventional file, though not empty. Expect to provide identification, entity paperwork if you are closing in a company name, the current lease or an appraiser's market rent analysis, evidence of property insurance, and account statements showing funds for closing and reserves. A credit review and a standard application round things out, and refinances add the existing mortgage statement and payoff information. What you typically will not hand over are tax returns or employment income records, since the property carries the qualification. Exact checklists differ by lender and scenario, so confirm before gathering paperwork. A fuller rundown is available on our documentation and requirements page.