75% LTV on Single Family Investment Property

I know that the max LTV on a singe family investment property is 75%, but I’m wondering what type of bank would be willing to lend up to this amount and what their criteria would be.

If you have a strong balance sheet, would they just do an appraisal and lend 75%? Or do banks lending against SFH investments actually look at DSCR and debt yield?

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