DSCR loan rates, updated weekly.
Real quotes from every direct lender we work with, priced every week on a sample rental deal. The best one is shown. No estimates.
The starting rate is the best-case deal. The table shows how leverage, credit and loan type move it.
Rates from
6.172%*
Updated weekly from live lender quotes.
Last update: November 5, 2026
* This may be for the strongest files, sometimes with a buydown.
Rates by deal
Starting rate: 780+ credit, 60% LTV, 30-year fixed, 5-year prepay
Rates from: 6.172%*
70% LTV
Rates from: 6.322%*
80% LTV
Rates from: 6.75%*
700 credit score
Rates from: 6.447%*
Interest-only
Rates from: 6.247%*
Cash-out refinance
Rates from: 6.322%*
* This may be for the strongest files, sometimes with a buydown. The lowest rate across the direct lenders we work with, for the sample deals described, priced November 5, 2026. Not an offer or a commitment to lend. Subject to underwriting. Your rate depends on your deal.
How the starting rate is priced
- 780+ credit score
- Purchase of a single-family rental at 60% LTV
- Rent covers the payment 1.25 times or more (DSCR 1.25+)
- 30-year fixed rate, 5-year prepayment penalty
- $390,000 loan in Florida
- U.S. citizen or permanent resident
What moves it
- Credit score
- LTV, your down payment
- DSCR: how well the rent covers the payment
- Prepayment penalty: longer is cheaper
- Interest-only or fully amortizing
- Loan size and property type
- Points paid at closing (buydown)
Rate questions
What are DSCR loan rates today?
From 6.172% this week across our sample deals. This may be for the strongest files, sometimes with a buydown.
The starting deal: 780+ credit, 60% LTV, 30-year fixed with a 5-year prepayment penalty. The table shows the others.
What is a rate buydown?
You pay points at closing for a lower rate. One point is 1% of the loan amount.
It pays off when you hold the loan long enough for the lower payment to cover the points.
Why would my rate be higher than the starting rate?
The starting rate is the best case. A lower credit score, higher LTV, a weaker DSCR, a shorter prepayment penalty or interest-only each add to the rate.
How often are these rates updated?
Every week, from a live quote on the same sample deals, so the numbers are comparable week to week.
Are DSCR rates higher than conventional mortgage rates?
Usually. In exchange, a DSCR loan needs no tax returns or income documents and has no cap on financed properties.
Is this an offer?
No. These are starting rates for sample deals. Your same-day term sheet prices your exact property, with every cost on the loan listed.