DSCRDeals
DSCR Lender Directory

Compare lenders without pretending every deal is the same.

Program data was scrubbed against current lender-published sources. Where a hard number is not publicly stated, we say so instead of guessing.

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Low-DSCR Guide

Deal below 1.0 DSCR?

See which current programs publish sub-1.0, no-ratio or no-minimum options — and what tightens when cash flow falls short.

Compare Low-DSCR Lenders
2026 DSCR Lender Guide

Want the lender-by-lender explanation before you compare cards?

Read how the current requirements interact, where headline numbers can mislead, and which deal types each lender tends to fit.

Read the 2026 Lender Guide

— lenders shown

★ Featured PartnerReferral Partner

Lima One Capital

Nationwide DSCR rental financing for real estate investors

Min. DSCR1.0x
RatesGet Current Pricing
Max LTVUp to 80% purchase / R&T; 75% cash-out
Min. Credit660+ FICO
Loan Amounts$85k – $2.5M
ClosingConfirm timing for your deal
  • 1.0x minimum DSCR on current rental program
  • Up to 80% LTV on purchase and rate/term refinance
  • Loans from $85k to $2.5M; 1–9 unit properties
Single Family2–4 Units5–9 UnitsCondosShort-Term Rentals (STR)

Data verified 2026-08-17

View Lima One CapitalApply Direct with Lima One
Rental SpecialistDSCR Lender

Visio Lending

DSCR-focused financing for buy-and-hold rental investors

Min. DSCR0.75–0.99 described as acceptable
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit680+ typical minimum
Loan AmountsVerify current limits
ClosingConfirm timing for your deal
  • Current Visio guidance says borrowers typically need 680+ FICO
  • Up to 80% LTV
  • DSCR calculator describes 0.75–0.99 as an acceptable range
Single Family2–4 UnitsCondosPUDsShort-Term Rentals (STR)

Data verified 2026-08-17

View Visio LendingGet Matched with Visio Lending
Direct LenderDSCR Lender

RCN Capital

Long-term DSCR and investor rental financing

Min. DSCR1.00x
RatesGet Current Pricing
Max LTVUp to 80%; FICO-tiered
Min. Credit660+ FICO
Loan Amounts$70k – $1.5M (1–4 unit LTR)
ClosingConfirm timing for your deal
  • 1.00x DSCR and 660 minimum FICO on current 1–4 unit long-term rental program
  • Purchase/refi leverage: 660–679 up to 65%; 680–699 up to 75%; 700+ up to 80%
  • Cash-out leverage is lower: 60% / 70% / 75% across those same FICO tiers
Single Family2–4 UnitsCondosTownhomesPUDs

Data verified 2026-08-17

View RCN CapitalGet Matched with RCN Capital
Digital DSCRDSCR Lender

Kiavi Financing

Tech-enabled rental financing with online quoting

Min. DSCRAs low as 0.8x
RatesGet Current Pricing
Max LTVUp to 80%
Min. CreditCurrent hard minimum not publicly stated
Loan AmountsVerify current limits
ClosingFast process marketed; confirm actual timeline
  • Current rental page advertises DSCR as low as 0.8x
  • Up to 80% LTV
  • Online quote and streamlined digital process
Single Family2–4 UnitsCondosPUDs

Data verified 2026-08-17

View Kiavi FinancingGet Matched with Kiavi Financing
Broker ChannelDSCR Lender

Velocity Mortgage Capital

Wholesale investment-property lender distributed through mortgage brokers

Min. DSCRNot publicly stated for consumer use
RatesBroker pricing
Max LTVProgram-specific
Min. CreditProgram-specific
Loan AmountsProgram-specific
ClosingBroker-submitted; confirm with broker
  • Wholesale platform built for brokers
  • Investment-property financing across residential and commercial asset types
  • Borrowers are directed to work through a licensed mortgage broker
1–4 Unit ResidentialMultifamilyMixed-UseSmall Commercial

Data verified 2026-08-17

View Velocity Mortgage CapitalView Lender Details
Single-Asset + PortfolioDSCR Lender

CoreVest Finance

30-year DSCR financing for individual rentals and investor portfolios

Min. DSCRAs low as 0.80x
RatesGet Current Pricing
Max LTVUp to 80%
Min. CreditTypically 640+; program-specific
Loan Amounts$75k – $3M+
ClosingMost rental loans: 4–6 weeks
  • Single-asset 30-year DSCR loans with a published 0.80x minimum
  • Up to 80% LTV and $75k–$3M+ loan amounts
  • Zero origination fee advertised on the current DSCR program
Single Family2–4 UnitsCondosTownhomesShort-Term Rentals (STR)Rental PortfoliosMultifamilyBuild-to-Rent

Data verified 2026-09-04

View CoreVest FinanceGet Matched with CoreVest Finance
Online DSCRDSCR Lender

New Silver Lending

Online DSCR platform for stabilized rental properties

Min. DSCR0.75x current published minimum
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit660+ FICO
Loan Amounts$150k – $3.0M
ClosingExpected 14–21 days
  • 0.75x current published minimum DSCR
  • 660 minimum FICO; up to 80% LTV; $150k–$3M
  • Current Help Center lists an expected 14–21 day close
Residential 1–8 UnitsShort-Term Rentals (STR)

Data verified 2026-08-17

View New Silver LendingGet Matched with New Silver Lending
Flexible DSCRDSCR Lender

Easy Street Capital

EasyRent DSCR financing for rental-property investors

Min. DSCRNo minimum DSCR
RatesGet Current Pricing
Max LTVUp to 80% purchase / R&T; 75% cash-out
Min. Credit640+ FICO
Loan Amounts$100k – $3.5M
ClosingConfirm timing for your deal
  • No minimum DSCR on the current EasyRent program
  • 640 minimum FICO
  • Up to 80% LTV; $100k–$3.5M; 1–10 units
Residential 1–10 UnitsLong-Term RentalsMid-Term RentalsShort-Term Rentals (STR)Condos

Data verified 2026-08-17

View Easy Street CapitalGet Matched with Easy Street
Fast Closing AvailableDSCR Lender

Asteris Lending

Investor-focused DSCR financing with published 10–21 day closings

Min. DSCRNo hard minimum published on current DSCR page
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit680+ FICO
Loan Amounts$100k – $5.0M
ClosingPublished 10–21 days
  • 680 minimum credit score
  • Up to 80% LTV; $100k–$5M
  • Published 10–21 day closing timeline
Single Family2–4 UnitsCondosTownhomes

Data verified 2026-08-17

View Asteris LendingGet Matched with Asteris
★ Referral PartnerReferral Partner

OfferMarket

Online real estate investor lending platform with DSCR financing

Min. DSCR0.75x absolute floor; restrictions apply
RatesGet Current Pricing
Max LTVUp to 80%; low-FICO tiers capped lower
Min. Credit640 absolute floor; leverage varies
Loan Amounts$75k–$100k minimum varies by program; verify max
ClosingConfirm timing for your deal
  • 0.75x absolute DSCR floor on current requirements guidance
  • 640 absolute FICO floor, with severe leverage restrictions at that tier
  • Active DSCRDeals referral relationship
Single Family2–4 UnitsShort-Term Rentals (STR)

Data verified 2026-08-17

View OfferMarketApply with OfferMarket
★ Referral PartnerReferral Partner

LYNK Mortgage

Fast DSCR rental financing with a streamlined investor-focused process

Min. DSCR1.00x typical; some programs allow lower
RatesGet Current Pricing
Max LTVUp to 80% purchase; lower on cash-out
Min. Credit660+ FICO
Loan Amounts$75k – $3M+ typical
ClosingTypical 15–21 days
  • Up to 80% purchase LTV with a 660 minimum FICO
  • Typical $75k–$3M+ loan size and 15–21 day closing
  • STR income with documented history; small multifamily up to 10 units considered
Single Family2–4 UnitsWarrantable CondosPUDsSmall Multifamily up to 10 UnitsShort-Term Rentals (STR)

Data verified 2026-08-19

View LYNK MortgageApply with LYNK Mortgage
★ Foreign National SpecialistReferral Partner

HomeAbroad

DSCR financing built for foreign nationals investing in U.S. rental property

Min. DSCRNo-Ratio option: 0–1.0; best terms typically ≥1.0
RatesGet Current Pricing
Max LTVUp to 75% purchase / R&T; 70% cash-out
Min. CreditU.S. credit score not required for foreign nationals
Loan Amounts$100k – $10M
ClosingPublished average: 27 days
  • No U.S. income or credit history required for foreign-national borrowers
  • No-Ratio option: 0–1.0; best terms typically apply at 1.0x or higher
  • $100k–$10M; up to 75% purchase/R&T; six months reserves
Single FamilyCondosTownhomesPUDs2–4 UnitsShort-Term Rentals (STR)Foreign National DSCRNo-Ratio DSCR

Data verified 2026-08-24

View HomeAbroadApply with HomeAbroad
★ Flexible Multifamily DSCRReferral Partner

Ziffy Mortgage

Domestic investor DSCR financing with strong 2–10 unit multifamily coverage

Min. DSCR1.0x+ for best terms; No-Ratio DSCR available
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit620+ FICO
Loan Amounts$75k – $10M
ClosingTypical 15–30 days
  • 620 minimum FICO with up to 80% LTV
  • No-Ratio DSCR option; 1.0x+ for best terms
  • $75k–$10M with six months reserves
2–4 Units5–10 UnitsMultifamilyShort-Term Rentals (STR)

Data verified 2026-08-24

View Ziffy MortgageApply with Ziffy Mortgage
Flexible DSCRDSCR Lender

A&D Mortgage

Broad non-QM DSCR financing with low-score, no-ratio and 5–8 unit options

Min. DSCRAs low as 0; stronger credit required for lowest ratios
RatesGet Current Pricing
Max LTVUp to 80% purchase
Min. Credit620+ FICO
Loan AmountsUp to $3M
ClosingFast turn times; confirm for your deal
  • 620 minimum FICO and at least 20% down on the published DSCR program
  • DSCR as low as 0 with only 3 months reserves
  • 5–8 unit/mixed-use, STR, LLC and foreign-national options published
Single Family2–4 Units5–8 UnitsMixed-UseShort-Term Rentals (STR)Foreign National DSCR

Data verified 2026-08-24

View A&D MortgageGet Matched with A&D Mortgage
Portfolio + No-RatioDSCR Lender

FlexPoint

Flexible DSCR programs from first rentals through 25-property cross-collateral portfolios

Min. DSCRNo-ratio option; 1.0x typically qualifies
RatesGet Current Pricing
Max LTVUp to 85% purchase on 1–4 units
Min. Credit640+ FICO
Loan AmountsUp to $6.25M cross-collateral
ClosingPre-approval marketed within 24 hours; confirm closing
  • Up to 85% purchase LTV and 640 FICO on 1–4 unit DSCR
  • No-ratio option, STR, condotel/non-warrantable condo and first-time investor eligibility
  • Cross-collateral DSCR can combine up to 25 properties in one loan up to $6.25M
Single Family2–4 Units5–8 UnitsMixed-UseCondotelsNon-Warrantable CondosShort-Term Rentals (STR)Cross-Collateral Portfolios

Data verified 2026-08-19

View FlexPointGet Matched with FlexPoint
5–8 Unit SpecialistDSCR Lender

OptionWide Financial

Direct DSCR lender with dedicated 1–4 unit and residential 5–8 unit investor programs

Min. DSCRAs low as 0.75x on published 1–4 unit programs; 1.0x on 5–8 units
RatesGet Current Pricing
Max LTVUp to 80% purchase on eligible 1–4 unit scenarios; 75% on 5–8 units
Min. Credit640+ on published 1–4 unit programs; 700 on current 5–8 unit page
Loan Amounts$150k–$3.5M on published 1–4 unit programs; $500k–$2M for 5–8 units
Closing7–14 days after appraisal advertised by program
  • Direct lender with dedicated residential 5–8 unit DSCR financing
  • Published 1–4 unit programs go to 0.75x DSCR, 640 FICO and up to 80% purchase LTV
  • LLC, foreign-national, IO and no-lease qualification options are published for eligible programs
Single Family2–4 Units5–8 UnitsCondosCondotelsModular HomesShort-Term Rentals (STR)

Data verified 2026-08-19

View OptionWide FinancialGet Matched with OptionWide
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Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.