DSCR Direct

DSCR Direct compares rates from hundreds of wholesale DSCR lenders simultaneously. This includes portfolio lenders, non-QM specialists, major banks, and private capital providers. More lenders means more competition for your loan, which means lower rates.

The best DSCR lender depends on your specific scenario: credit score, property type, loan amount, DSCR ratio, and investment strategy. Rather than choosing a single lender, DSCR Direct compares every lender at once to find whoever has the lowest rate for YOUR exact scenario. Use our free pricer tool — no personal info required.

Yes. The rates shown are pulled from live lender pricing and update throughout the day. These are actual wholesale rates available right now, not teaser rates or estimates. Your individual rate may vary based on your credit score, LTV, DSCR ratio, and property details.

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the investment property's rental income rather than personal income. No tax returns, W-2s, or pay stubs are required. The DSCR ratio is calculated as Monthly Rent divided by Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA). DSCR loans are ideal for self-employed investors or anyone who wants to qualify based on property cash flow.

Minimum FICO requirements vary by lender — some accept scores as low as 600, while the best rates are available at 740+. DSCR Direct shows you which lenders work with your credit score and who offers the best rate at your FICO tier.

Most DSCR loans require a down payment of 15-25%. However, creative strategies like cross-collateralization (using equity from existing properties), seller financing, or BRRRR refinancing can minimize out-of-pocket costs. Some lenders on this page offer 85% LTV, meaning only 15% down.

DSCR loans typically close in 14-30 days, significantly faster than conventional loans because there's no income verification. Some lenders on this page can close in as little as 10 days for straightforward scenarios.

Most DSCR loans include a prepayment penalty period (typically 3-5 years) in exchange for a lower rate. You can often choose a shorter prepay period or no prepay at all, but the rate will be higher. Our pricer lets you compare rates with different prepay options.

Yes. Many lenders on this page offer foreign national DSCR programs that don't require a US credit score, Social Security number, or tax history. The property's rental income is used for qualification, making DSCR loans one of the best options for international investors in US real estate.