Can a borrower with a 680 FICO get 80% LTV on a DSCR purchase with a 1.15 ratio on a single-family investment property?

Yes, a 680 FICO score with a 1.15 DSCR on a single-family purchase generally falls within the range that supports 80% LTV under most Non-QM investor guidelines, though final approval always depends on the specific program grid tying together credit score, DSCR, property type, and loan purpose. That said, this is one of the areas where investor overlays vary the most. Some lenders cap 80% LTV purchases at a minimum DSCR of 1.00 or 1.10, which would make 1.15 comfortably eligible, while others require stronger DSCR coverage (1.20 or higher) to reach 80% LTV, especially if reserves are thin or the loan amount is large. Credit score tiers also shift the maximum LTV — a 680 score typically sits in a middle tier, often one step below the top LTV allowed for borrowers with 700+ or 720+ FICO, so it's worth confirming whether the specific investor reduces max LTV at the 680 band even with a qualifying DSCR. Single-family properties are usually the most favorably treated property type, so that helps here compared to 2-4 unit or condo scenarios which sometimes carry LTV reductions. Because DSCR loan programs differ meaningfully by investor on credit tiering, minimum DSCR thresholds, and reserve requirements, a broker should always confirm against the specific lender's current rate sheet and matrix rather than assume uniform terms across the Non-QM market.