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Do DSCR Loans Allow Gift Funds for the Down Payment?
Some DSCR lenders allow gift funds for part of the down payment, but many require the borrower to contribute a portion of their own money.
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When gift funds are allowed
- Borrower contributes a minimum percentage
- Funds come from an eligible donor
- Documentation meets lender requirements
- Property is non‑owner‑occupied
Common restrictions
- No gifts for closing costs with certain lenders
- No gifts for reserves
- No gifts from interested parties
- Full gift down payments rarely allowed
Documentation lenders may require
- Gift letter
- Donor bank statement
- Proof of transfer
- Verification of borrower contribution
Compensating factors that help approval
- DSCR ≥ 1.00
- Strong credit profile
- 3–12 months reserves
- Stable rental income
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