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    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1</loc>
    <lastmod>2026-07-24T15:52:03-07:00</lastmod>
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  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/what-is-a-dscr-loan</loc>
    <lastmod>2026-07-21T09:12:41-07:00</lastmod>
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      <image:title>EP01: What Is a DSCR Loan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/what-dscr-ratio-do-you-need-to-qualify-for-a-loan</loc>
    <lastmod>2026-07-21T09:13:24-07:00</lastmod>
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      <image:title>EP02: What DSCR Ratio Do You Need to Qualify for a Loan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/dscr-loans-vs-conventional-loans-whats-actually-different</loc>
    <lastmod>2026-07-21T09:13:50-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2146_1c3730cb-7594-4908-9320-aa677385b162.jpg?v=1784650430</image:loc>
      <image:title>EP03: DSCR Loans vs. Conventional Loans: What&apos;s Actually Different</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/can-you-use-a-dscr-loan-for-a-1-4-unit-property</loc>
    <lastmod>2026-07-21T09:14:21-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2147_e9ef90a5-4710-4faf-b78b-e88de41c0f6c.jpg?v=1784650461</image:loc>
      <image:title>EP04: Can You Use a DSCR Loan for a 1–4 Unit Property?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/ep05-what-credit-score-do-you-need-for-a-dscr-loan</loc>
    <lastmod>2026-07-21T09:15:16-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2150_85adf082-fff8-4869-995b-109e29bb6830.jpg?v=1784650516</image:loc>
      <image:title>EP05: What Credit Score Do You Need for a DSCR Loan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/ep06-how-much-down-payment-does-a-dscr-loan-require</loc>
    <lastmod>2026-07-21T09:15:56-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2153.jpg?v=1784650556</image:loc>
      <image:title>EP06: How Much Down Payment Does a DSCR Loan Require?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/8</loc>
    <lastmod>2026-07-21T15:30:04-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2145_306dd2d8-e865-4152-8947-82539d4ce025.jpg?v=1784650593</image:loc>
      <image:title>EP07: Can Self-Employed Investors Qualify for a DSCR Loan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/ep08-my-dscr-is-below-1-0-can-i-still-get-the-loan</loc>
    <lastmod>2026-07-22T16:00:05-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/4-units-townhomes_98736f3f-4e37-4469-bdb6-0d65b4165b51.png?v=1784650611</image:loc>
      <image:title>EP08: My DSCR Is Below 1.0 — Can I Still Get the Loan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/ep09-are-dscr-loan-rates-higher-than-conventional-heres-the-real-trade-off</loc>
    <lastmod>2026-07-23T16:00:05-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2149_df61f68d-72dc-4506-a92f-58ce6edc28d4.jpg?v=1784650640</image:loc>
      <image:title>EP09: Are DSCR Loan Rates Higher Than Conventional? Here&apos;s the Real Trade-off</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ypdhomes.com/blogs/dscr-faq-1/ep10</loc>
    <lastmod>2026-07-24T15:52:03-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0783/0529/6420/articles/IMG_2148_4a6e89b9-635c-4082-ba86-131508497975.jpg?v=1784650686</image:loc>
      <image:title>EP10: Can You Use Airbnb or Short-Term Rental Income to Qualify for a DSCR Loan?</image:title>
    </image:image>
  </url>
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