Chasing a higher DSCR

[Michael Tyler]

I understand that loans based on DSCR are a little hard to come by right now. But barring this whole crisis...

When seeking a loan that is based on DSCR rather than DTI, is there a benefit to maximizing the DSCR? If I can get it up to 1.5, 2.0, or higher, does it continue to benefit the loan application process? Or is there a point of diminishing returns?

[Camile Case]

@Michael Tyler DSCR just lets the Lender know that the property can pay for itself - mortgage, taxes, insurance - and doesn't require any personal income docs;No W2s, Paystubs, Tax Returns, etc. What are you working on?