Today’s DSCR Loan Rates for Real Estate Investors
Get matched with DSCR lenders for rental property purchases, refinances, cash-out refinances, short-term rentals, and investor portfolios — without relying on traditional W-2 income.
Get Instant DSCR Rate Options
Enter a few deal details to estimate DSCR, LTV, and a starting rate range.
Estimate only. Final pricing depends on lender guidelines, credit, leverage, property type, documentation, reserves, DSCR, market conditions, and underwriting.
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Submit the property. We’ll match the deal to the right DSCR lender.
DSCR pricing is not one-size-fits-all. The best lender for a purchase may not be the best lender for a cash-out refinance, short-term rental, or portfolio loan.
Match based on the loan purpose and exit strategy.
Designed for investors who want the property cash flow to drive the loan.
Compare programs across DSCR, bridge, portfolio, and commercial investor lenders.
What affects your DSCR loan rate?
The displayed range is a starting point. Your actual rate depends on how the lender views the risk, cash flow, leverage, and property type.
Credit Score
Higher credit scores usually create better pricing and more lender options.
Loan-to-Value
Lower leverage can improve pricing. Higher LTV may still be available but can price higher.
DSCR Ratio
A stronger cash-flowing property may qualify for better terms and stronger loan sizing.
Loan Purpose
Purchases, rate-term refinances, and cash-out refinances can each price differently.
Property Type
Long-term rentals, short-term rentals, 2–4 units, 5+ units, and mixed-use may have different rules.
Prepayment Penalty
Longer prepay structures may reduce rate. No-prepay or short-prepay options may cost more.
Calculate your DSCR
Enter the property’s monthly rental income and estimated monthly PITIA/payment to see the DSCR instantly.
The property income is above the proposed monthly payment. This may be attractive to many DSCR lenders.
DSCR and investor loan programs available
We help match the property to the right capital source based on income, leverage, credit, and investor strategy.
DSCR Purchase Loans
For buying rental properties where the property income supports the loan payment.
DSCR Refinance Loans
For replacing existing debt, improving terms, or refinancing out of private money.
DSCR Cash-Out Refinance
For pulling equity from rental properties to redeploy into additional acquisitions or improvements.
Short-Term Rental DSCR
For Airbnb and VRBO-style properties, subject to lender rules, market, and income support.
Portfolio DSCR Loans
For investors financing multiple rental properties under one lending strategy.
Commercial Investor Loans
For select 5+ unit multifamily, mixed-use, small-balance commercial, and income-producing assets.
What we need to quote your DSCR rate
The more property details you provide, the better we can match the loan request to lenders that actually fit the deal.
DSCR loan questions investors ask most
What is a DSCR loan?
A DSCR loan is an investment property loan where the lender focuses primarily on the rental income of the property instead of traditional personal income documentation.
Do DSCR loans require tax returns?
Many DSCR programs do not require personal tax returns or W-2 income, but lenders still review credit, assets, reserves, property value, rent, title, and overall deal strength.
What DSCR ratio do lenders usually want?
Many lenders prefer a DSCR of 1.00 or higher, meaning the property income covers the proposed payment. Stronger ratios may improve lender options and loan sizing.
Can I use a DSCR loan for Airbnb or short-term rentals?
Some DSCR lenders allow short-term rentals, but the guidelines, eligible income, market requirements, and pricing can vary by lender.
Can DSCR be used for 5+ units or commercial property?
Yes, but 5+ unit and commercial properties may be handled through commercial investor, small-balance, bridge, bank, agency, or portfolio lending options rather than standard 1–4 unit DSCR programs.
Ready to see your DSCR lender options?
Submit your property and we’ll review the deal, estimate the DSCR, and match you with lender options based on cash flow, leverage, credit, and loan purpose.
Get My DSCR QuoteRates, terms, LTV, and approvals are subject to lender guidelines, underwriting, property eligibility, borrower qualifications, market conditions, and documentation. Information shown is for general marketing purposes only and is not a loan approval, loan commitment, rate lock, or guarantee of financing.
