A 1.25 DSCR clears most programs, but lenders also weigh reserves (often 6 months of payments), the loan-to-value, and whether rents are market or inflated by short-term-rental projections.
Many DSCR lenders cap LTV at 75-80% and want a credit score above 680 for the best rate. The ratio gets you in the door; these secondary factors set your terms.
Run a deal at several rate scenarios before committing — a half-point change can push a marginal 1.2 DSCR below the 1.0 break-even once you include taxes and insurance.