How many DSCR loans can I take out?

There is no fixed limit. Unlike conventional financing, which caps a borrower at ten financed properties, DSCR lenders have no property count rule. Each loan qualifies on its own property's rent. Individual lenders may cap their total exposure to one borrower, often at $3 million to $5 million or a set number of loans.

That exposure cap is per lender, so investors past it simply use another lender. Most large single-family rental portfolios are financed this way for exactly this reason.

Two things accumulate. Reserves: many lenders want several months of payments in liquid assets for the new loan and sometimes for every other financed property. And credit: each personal mortgage appears on your report, though LLC loans often do not. Blanket DSCR loans can also finance five or more properties under one note.