Reach us at info@dscrdirect.net - same-day responses.

This platform facilitates business-purpose loans secured by 1-4 unit investment properties. These are not consumer residential loans. This is not an offer to lend in any state where such an offer is prohibited. Origination fee is the greater of 1% or $1,995, paid at closing. Any lender credit at your chosen rate is applied toward your closing costs and can fully offset the origination fee. Lender fees shown reflect estimated lender charges only and do not include appraisal, title, escrow, recording, or other third-party charges, prepaids, or reserves. Rates and terms are subject to change without notice and vary based on individual qualifications. Loan approval is not guaranteed and is subject to lender underwriting. This is not a commitment to lend. All applicants receive equal consideration in accordance with fair lending laws.

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DSCR Direct

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Current DSCR Loan Rates

Updated Tuesday, October 6, 2026 at 11:52 AM UTC · 2026-10-06T11:52:16.791Z

Rates starting as low as 6.500% - sourced live from hundreds of DSCR lenders.

Today's DSCR Rate Snapshot

6.500% (6.594% APR) - Purchase, 760 FICO, 60% LTV, 1.25 DSCR

6.625% (6.733% APR) - Purchase, 780 FICO, 75% LTV, 1.25 DSCR

6.625% (6.754% APR) - Purchase, 760 FICO, 75% LTV, 1.25 DSCR

6.875% (6.972% APR) - Cash-Out Refi, 740 FICO, 70% LTV, 1.15 DSCR

7.125% (7.249% APR) - Purchase, 720 FICO, 75% LTV, 0.75 DSCR

7.875% (8.032% APR) - Purchase, 740 FICO, 85% LTV, 1.2 DSCR

7.875% (8.545% APR) - Purchase, 720 FICO, 75% LTV, 1 DSCR

8.375% (8.543% APR) - Purchase, 640 FICO, 75% LTV, 1 DSCR

Purchase - 75% LTV, 780 FICO

$500K single-family purchase, $375K loan, 1.25 DSCR, 5-year prepay | Loan: $375,000 | LTV: 75%

LenderRateAPRMo. P&IPrice
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.625%6.733%$2,401100.243
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.750%6.800%$2,432100.837
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.875%6.909%$2,463101.000
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.000%6.988%$2,495101.542
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.125%7.068%$2,526102.000

Low LTV Purchase - 60% LTV, 760 FICO

$500K single-family purchase, $300K loan, 1.25 DSCR, 5-year prepay | Loan: $300,000 | LTV: 60%

LenderRateAPRMo. P&IPrice
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG6.500%6.594%$1,896100.559
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG6.625%6.663%$1,921101.144
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG6.750%6.730%$1,946101.742
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG6.875%6.829%$1,971102.000
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.000%6.954%$1,996102.000

Strong Purchase - 75% LTV, 760 FICO

$400K single-family purchase, 1.25 DSCR, 5-year prepay | Loan: $300,000 | LTV: 75%

LenderRateAPRMo. P&IPrice
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.625%6.754%$1,921100.118
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.750%6.821%$1,946100.712
Equity Prime Mortgage (EPM) WholesaleDSCR 1 30 Yr Fixed - EG6.875%6.918%$1,971101.000
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.000%6.999%$1,996101.542
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.125%7.078%$2,021102.000

High LTV Purchase - 85% LTV, 740 FICO

$350K single-family purchase, 1.20 DSCR, 5-year prepay | Loan: $297,500 | LTV: 85%

LenderRateAPRMo. P&IPrice
GIANT Lending WholesaleNon-QM Core 5% Fixed PPP DSCR 30 Yr Fixed - EG7.875%8.032%$2,157100.251
GIANT Lending WholesaleNon-QM Core 5% Fixed PPP DSCR 30 Yr Fixed - EG7.999%8.124%$2,183100.563
GIANT Lending WholesaleNon-QM Core 5% Fixed PPP DSCR 30 Yr Fixed - EG8.125%8.217%$2,209100.876
GIANT Lending WholesaleNon-QM Core 5% Fixed PPP DSCR 30 Yr Fixed - EG8.250%8.329%$2,235101.000
GIANT Lending WholesaleNon-QM Core 5% Fixed PPP DSCR 30 Yr Fixed - EG8.375%8.455%$2,261101.000

Lower Credit Score - 75% LTV, 640 FICO

$300K single-family purchase, 1.0 DSCR, 3-year prepay | Loan: $225,000 | LTV: 75%

LenderRateAPRMo. P&IPrice
NMSI, Inc WholesaleInvestor DSCR 30 Yr Fixed - EG8.375%8.543%$1,710100.125
NMSI, Inc WholesaleInvestor DSCR 30 Yr Fixed - EG8.500%8.614%$1,730100.625
NMSI, Inc WholesaleInvestor DSCR 30 Yr Fixed - EG8.625%8.698%$1,750101.000
NMSI, Inc WholesaleInvestor DSCR 30 Yr Fixed - EG8.750%8.741%$1,770101.750
NMSI, Inc WholesaleInvestor DSCR 30 Yr Fixed - EG8.875%8.852%$1,790101.875

Small Balance Loan - Under $50K, No Prepay Penalty

$65K purchase, $48,750 loan, 720 FICO, 1.0 DSCR, no prepay | Loan: $48,750 | LTV: 75%

LenderRateAPRMo. P&IPrice
CMG Mortgage, Inc. WholesalePrime Non-QM DSCR 30 Yr Fixed - EG7.875%8.545%$353100.250
United Wholesale Mortgage, LLCInvestor Flex Pink 30 Yr Fixed - EG8.000%8.743%$358100.230
United Wholesale Mortgage, LLCInvestor Flex Yellow 30 Yr Fixed - EG8.125%8.941%$36299.667

Low DSCR - 75% LTV, 0.75 DSCR

$400K single-family purchase, 720 FICO, 5-year prepay | Loan: $300,000 | LTV: 75%

LenderRateAPRMo. P&IPrice
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.125%7.249%$2,021100.302
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.250%7.323%$2,047100.814
STG Mortgage, Inc. Wholesale Solar Eclipse DSCR 30 Yr Fixed - EG7.375%7.389%$2,072101.324
STG Mortgage, Inc. Wholesale Solar Eclipse DSCR 30 Yr Fixed - EG7.500%7.463%$2,098101.824
STG Mortgage, Inc. Wholesale Solar Eclipse DSCR 30 Yr Fixed - EG7.625%7.543%$2,123102.261

Cash-Out Refi - 70% LTV, 740 FICO

$500K property value, 1.15 DSCR, 5-year prepay | Loan: $350,000 | LTV: 70%

LenderRateAPRMo. P&IPrice
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG6.875%6.972%$2,299100.473
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.000%7.041%$2,329101.042
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.125%7.115%$2,358101.552
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.250%7.195%$2,388102.000
Spring EQ, LLC WholesaleDSCR 30 Yr Fixed - EG7.375%7.320%$2,417102.000

DSCR Loans Available in All 50 States

DSCR Direct provides the same competitive rates across all 50 US states and Washington DC. DSCR loan rates are based on loan-level factors (FICO, LTV, DSCR ratio) - not location - so the rates shown above apply nationwide. Use our pricer to get your exact rate with your property's zip code.

DSCR loans in Alabama · DSCR loans in Alaska · DSCR loans in Arizona · DSCR loans in Arkansas · DSCR loans in California · DSCR loans in Colorado · DSCR loans in Connecticut · DSCR loans in Delaware · DSCR loans in Florida · DSCR loans in Georgia · DSCR loans in Hawaii · DSCR loans in Idaho · DSCR loans in Illinois · DSCR loans in Indiana · DSCR loans in Iowa · DSCR loans in Kansas · DSCR loans in Kentucky · DSCR loans in Louisiana · DSCR loans in Maine · DSCR loans in Maryland · DSCR loans in Massachusetts · DSCR loans in Michigan · DSCR loans in Minnesota · DSCR loans in Mississippi · DSCR loans in Missouri · DSCR loans in Montana · DSCR loans in Nebraska · DSCR loans in Nevada · DSCR loans in New Hampshire · DSCR loans in New Jersey · DSCR loans in New Mexico · DSCR loans in New York · DSCR loans in North Carolina · DSCR loans in North Dakota · DSCR loans in Ohio · DSCR loans in Oklahoma · DSCR loans in Oregon · DSCR loans in Pennsylvania · DSCR loans in Rhode Island · DSCR loans in South Carolina · DSCR loans in South Dakota · DSCR loans in Tennessee · DSCR loans in Texas · DSCR loans in Utah · DSCR loans in Vermont · DSCR loans in Virginia · DSCR loans in Washington · DSCR loans in Washington DC · DSCR loans in West Virginia · DSCR loans in Wisconsin · DSCR loans in Wyoming

Want your exact rate?

These are sample scenarios. Your rate depends on your specific loan amount, LTV, FICO, DSCR ratio, and property details. Use our pricer for an instant, personalized quote - no personal information required.

Get Your RateApply Now

Understanding DSCR Loan Rates

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on their property's rental income rather than personal income. Unlike conventional mortgages, DSCR loans do not require tax returns, W-2s, or pay stubs - making them ideal for self-employed investors, investors with complex tax situations, or anyone who wants a faster, simpler loan process.

What Determines Your DSCR Rate?

  • FICO score - Higher credit scores unlock the lowest rates. Most DSCR lenders require a minimum of 600, with the best rates available at 740+.
  • Loan-to-value (LTV) - Lower LTV means less risk for the lender and lower rates for you. DSCR programs are available up to 85% LTV on purchases, with the best pricing at 70-75%.
  • DSCR ratio - A ratio of 1.25 or higher (meaning the property's rent covers 125% of the mortgage payment) gets the best rates. Programs are available with no minimum DSCR requirement - even below 0.75 - at adjusted rates.
  • Prepayment penalty - Longer prepay terms (3-5 years) lower your rate because the lender is guaranteed a longer payoff period. No-prepay options are available, especially on purchase transactions.
  • Loan amount - DSCR loans are available from small balance loans under $50,000 up to jumbo amounts. Larger loans may qualify for better pricing.
  • Property type - Single-family homes typically get the best rates, followed by 2-4 unit properties, condos, townhomes, and 5+ unit commercial properties.

Why DSCR Direct Has the Lowest Rates

DSCR Direct sources pricing from hundreds of DSCR lenders simultaneously through direct integrations, then surfaces the lowest rate available with no discount points paid for your specific scenario. Because we compare across the full market in real time, our rates are consistently lower than what any single lender offers. There's no markup and no rate shopping required on your end - we do it for you instantly.

Available in All 50 States

DSCR Direct provides DSCR loan pricing in all 50 US states and Washington DC. Rates are generally consistent across most states for the same loan scenario. See our state-by-state breakdown above for today's rates in your state, or use the DSCR loan pricer for an instant quote with your specific property location.

How to Use This Page

The rates above are live quotes pulled from real lender pricing for common DSCR loan scenarios. They update throughout the day as lenders adjust their pricing. For a rate tailored to your exact situation, use our DSCR loan pricer - it takes 30 seconds and requires no personal information.

Frequently Asked Questions About DSCR Loans

Can I get a no money down rental property loan?

While most DSCR loans require a down payment, there are creative financing structures that can effectively get you into an investment property with little to no money out of pocket. Cross-collateralization allows you to use equity from an existing property to secure a new DSCR loan, potentially eliminating the need for a cash down payment. Blanket loans across multiple properties and seller financing combined with DSCR refinance strategies are also options.

We specialize in creative financing for investment properties. Reach out with your scenario and we'll find a solution that works.

Can I get a DSCR loan as a foreign national?

Yes. Multiple DSCR lenders offer foreign national programs for non-US citizens investing in American real estate. These programs typically require a larger down payment (25-30%) and may have slightly higher rates, but they do not require a US credit score, SSN, or tax history. Foreign national DSCR loans qualify based on the property's rental income just like standard DSCR loans.

Foreign national programs vary by lender. Contact us with your details for the best available options.

Can I get a DSCR loan in an LLC?

Yes - and it's actually the most common way DSCR loans are structured. Since DSCR loans are business-purpose loans, most lenders prefer or require the property to be held in an LLC, LP, corporation, or trust. This provides liability protection for the investor while keeping the loan off personal credit. You can close directly in the entity name.

Can I use a DSCR loan for a short-term rental or Airbnb property?

Yes. Many DSCR lenders have specific short-term rental (STR) programs that use projected Airbnb or VRBO income from platforms like AirDNA to calculate the DSCR ratio instead of traditional long-term rental comps. STR DSCR loans often support higher property values in vacation and tourist markets where short-term rental income significantly exceeds long-term rental rates.

STR program availability and income calculations vary. Send us your scenario for STR-specific pricing.

Can I get a DSCR loan with a recent bankruptcy or foreclosure?

Yes. DSCR loans are available to borrowers with past bankruptcy, foreclosure, short sale, or deed-in-lieu events. Seasoning requirements are typically 2-4 years from discharge or completion. Programs with shorter seasoning periods are also available at adjusted rates and LTV limits.

Tell us your situation and we'll find the best available program.

Can I get a DSCR loan on a non-warrantable condo?

Yes. DSCR loans are available for non-warrantable condos. Condos that don't meet Fannie Mae or Freddie Mac warrantability requirements - due to investor concentration, single-entity ownership, litigation, or HOA budget issues - qualify for DSCR financing. We have multiple lenders with dedicated non-warrantable condo programs at competitive rates.

Can I get a DSCR loan with interest-only payments?

Yes. Many DSCR programs offer interest-only (IO) payment options, typically for the first 5 or 10 years of the loan. Interest-only payments significantly lower your monthly obligation, which can improve your DSCR ratio and cash flow. This is popular with investors who plan to hold the property short-to-medium term or who want to maximize cash-on-cash returns.

Can I get unlimited DSCR loans? Is there a limit on how many properties I can finance?

DSCR loans do not have the Fannie Mae / Freddie Mac 10-property financed limit that applies to conventional loans. You can have as many DSCR loans as you qualify for - there is no cap on the number of properties. Each loan is underwritten independently based on that property's cash flow. This makes DSCR the go-to product for investors scaling a portfolio beyond 10 properties.

Can I refinance out of a hard money loan with a DSCR loan?

Yes - this is one of the most common uses of DSCR loans. Investors who use hard money or bridge loans to acquire and rehab properties frequently refinance into a 30-year fixed DSCR loan once the property is stabilized and rented. The DSCR cash-out refinance can also pull out your rehab costs, giving you capital for the next deal (the BRRRR strategy).

Can I get a DSCR loan as a first-time real estate investor?

Yes. DSCR loans do not require prior real estate investment experience. Since qualification is based on the property's rental income rather than the borrower's personal income or portfolio track record, first-time investors can qualify just as easily as experienced ones. You just need to meet the FICO, LTV, and DSCR ratio requirements.

Can I get a DSCR loan on a property with no rental history?

Yes. DSCR loans do not require the property to have existing tenants or rental history. The appraiser provides a market rent estimate as part of the appraisal, and that projected rent is used to calculate the DSCR ratio. This applies to new construction, recently renovated properties, and vacant properties being purchased as rentals.

Can I get a DSCR loan on a mixed-use property?

Yes. DSCR loans are available for mixed-use properties, including residential units above commercial space. We have lenders with dedicated mixed-use programs that finance these properties at competitive rates. Whether your property is primarily residential with a ground-floor commercial unit or a more even split, we can find the right program for you.

Can I get a DSCR loan if I already have 10+ financed properties?

Yes. Unlike conventional loans, which are subject to Fannie Mae's 10-financed-property limit, DSCR loans have no such restriction. Whether you have 10, 50, or 100+ properties, you can continue financing new acquisitions with DSCR loans. Each property is evaluated independently on its own cash flow, so your existing portfolio size is not a barrier.

Can I get a DSCR loan on a 5+ unit apartment building?

Yes. DSCR loans are available for 5+ unit apartment buildings and small multifamily commercial properties. We have lenders with dedicated 5+ unit programs that finance these properties with DSCR-based underwriting, so qualification is still based on the property's rental income rather than your personal income.

Reach out with your property details for available options and pricing.

Can I get a DSCR loan with no prepayment penalty?

Yes. No-prepayment-penalty DSCR loans are available, particularly on purchase transactions. Rates will be slightly higher compared to loans with a 3 or 5-year prepay term, since the lender doesn't have the guaranteed payoff period. This is a good option for investors who plan to sell or refinance within a few years and don't want to be locked in.

Can I get a DSCR loan on a rural property?

Yes. DSCR loans are available for rural properties with no location restrictions. As long as the property can support a market rent appraisal, it qualifies. Properties in small towns, agricultural areas, and remote locations are all eligible. The appraiser will determine the market rent for the area, and that figure is used to calculate the DSCR ratio.

Don't see your scenario?

We do every loan program. Whether it's a unique property type, non-standard borrower situation, or a deal structure that doesn't fit the typical mold, we will find a solution. Cross-collateralization, blanket loans, portfolio lending, bridge-to-DSCR strategies, foreign national programs, low DSCR, no prepay, small balance, jumbo - we have it all.

Email us your scenario at info@dscrdirect.net - same-day responses.