What are 30-year DSCR loan rates today?
Current 30-year fixed DSCR rates run roughly 0.50%-1.00% above conventional investment rates. Use the live pricer for an exact number for your scenario.
DSCR 30-year fixed rates fluctuate daily with the non-QM secondary market. As of recent market conditions, expect: standard tier (740+ FICO, 75% LTV, 1.25+ DSCR, no prepay penalty) at roughly 0.50%-0.75% above the conventional 30-year investment rate. Lower FICO tiers (680-720) add 0.25%-0.75%. Higher LTV (80%) adds 0.125%-0.50%. DSCR below 1.0 (sub-1 or no-ratio) adds 0.25%-1.00%. Cash-out refi adds 0.125%-0.50% over purchase pricing at the same LTV. Adding a 5-year hard prepay penalty discounts the rate by 0.25%-0.50%. The DSCR Direct pricer pulls live rates from hundreds of wholesale lenders simultaneously and shows you the lowest available rate for your exact scenario - no personal information required. The rate you see is what the loan would close at, before any points or discounts.
People also ask
Are 30-year fixed and 5/1 ARM DSCR rates different?
Yes. 5/1 ARM DSCR rates are typically 0.125%-0.375% lower than 30-year fixed at the same FICO and LTV. 7/1 ARM is somewhere in between.
Can I lock a DSCR rate before applying?
No. Rate lock requires a complete application with property identified and lender selected. The pricer rate reflects current market.
Got a specific scenario?
Tell us the details - we'll come back with current pricing for your exact situation.