Reserves
Liquid assets (checking, savings, brokerage, retirement) the lender requires the borrower to document post-closing as a cushion. Standard DSCR reserve requirement is 6 months PITIA; cash-out refinances and sub-1.0 DSCR files require 9–12 months. Reserves are not paid to the lender — they remain in the borrower's account. See Reserves Guide →
Why it matters on a DSCR loan
Reserves are one of the most common last-minute deal killers: investors count their down payment and closing costs but forget the lender also wants months of PITIA documented in liquid accounts after the wires go out. Plan for higher requirements on cash-out and weaker-ratio files, and remember retirement accounts typically count at a discount. Season funds in your accounts early — large unexplained deposits right before closing trigger sourcing letters and delays.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).