TLDR: You're unicorn hunting. Longer version: DSCR or conventional, and assuming we're not talking about HML or loan sharks charging 10%+ and 3+ points, there's always multiple criteria in place. DSCR (for the aptly named "DSCR" type loans) or DTI (Fannie type loans) is one common criteria, LTV is another. The most restrictive of all the various criteria is what applies. Not the most liberal (millionaires don't get to take out $2m mortgages on $300k homes, for example).
