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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. Rates shown have no origination fees. $0 origination fees pricing shown. Full lender fees are listed in the pricing table. 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.

One broker, no overhead, direct-to-you pricing. NMLS# 2672337·Powered byLoan FactoryLoan Factory Inc, NMLS# 320841·2195 Tully Rd, San Jose, CA 95122·NMLS Consumer Access

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Home/Rates/History

DSCR Rate History

Track how DSCR loan rates have moved over time. This chart shows the lowest available rates without points for purchase, rate/term refinance, and cash-out refinance DSCR loans - updated daily.

Benchmark scenario: 75% LTV, 780 FICO, 1.25x DSCR, single-family, 30-day lock, 5-year prepayment penalty. Rates shown are the lowest available across all lenders in our network.

Understanding DSCR Rate Trends

DSCR (Debt Service Coverage Ratio) loan rates fluctuate based on market conditions, investor appetite, and broader economic factors. Unlike conventional mortgage rates that closely track the 10-year Treasury yield, DSCR rates are influenced by the securitization market and non-QM investor demand.

Key factors that drive DSCR rate movements include:

  • Securitization spreads - When investor demand for non-QM mortgage-backed securities is high, spreads tighten and rates drop.
  • Federal Reserve policy - Changes in the federal funds rate and quantitative tightening affect the cost of capital for DSCR lenders.
  • Rental market conditions - Strong rental demand supports DSCR loan performance, which can lead to better pricing.
  • Competition among lenders - As more lenders enter the DSCR space, competitive pressure drives rates lower.

Cash-out refinance rates typically run 25-75 basis points higher than purchase rates due to increased risk. Rate/term refinance pricing is usually similar to purchase pricing since the risk profile is comparable.

This rate history tracks our benchmark scenario daily. For your specific scenario with different LTV, FICO, or DSCR ratios, use our pricing tool to get real-time quotes.

Get Today's DSCR RatesView the DSCR Rate Index