For DSCR below 1.0, your primary options are Acra Lending and New Silver. Both underwrite at 0.75 DSCR with LTV 70% or lower. A&D Mortgage has a No-Ratio DSCR option that removes the floor entirely. It requires 680+ FICO and LTV 75% or lower. Angel Oak and UWM Investors Flex both require DSCR 1.0+.
Verify AE availability and state eligibility before sending the file.
Source: Acra Lending overlay | New Silver overlay | A&D Mortgage overlay