Unconventional Lending publishes a 75% cap and what DSCR bands mean
Unconventional Lending publishes a market cap like several others here, and alongside it the most readable published account of what the coverage ratio actually does to an application.
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What it publishes
Read 10 September 2026: 'Loan amounts typically capped at 75% loan-to-value (LTV), depending on DSCR and lender requirements.' The same page bands the coverage ratio for a borrower, marking a DSCR at or above roughly 1.25 as a strong candidate for refinancing on the basis that income exceeds debt by 25%.
Bands are more useful than floors
A published minimum tells you whether you are in or out. A band tells you where you sit and what would move you, which is what a borrower with a 1.15 coverage ratio and a plan to raise rents actually needs to know. Very few firms in this market publish the second kind.
Questions borrowers ask before they apply
What LTV cap does it publish?
A typical cap of 75% loan-to-value, stated as depending on DSCR and lender requirements. It is a market figure rather than its own box.
What DSCR does it call strong?
At or above roughly 1.25, on the basis that income exceeds debt service by 25%.
