Best DSCR Lenders in 2025: My Toplist of 53 DSCR Lenders
David Garner
David GarnerThe Best DSCR Lenders Right Now in 2025: 53 Lenders with Rates, Terms, LTV and Credit Requirements
DSCR loans can be a great tool to build a profitable real estate portfolio in the USA. I’ve used them to purchase and/or refinance over 120 rental properties in the US since 2016. I also help my overseas non-resident clients finance their own US real estate investments with DSCR loans. But not all DSCR lenders offer the best terms!
I put together this list of the best DSCR lenders in 2025 to help other rental property investors like me find DSCR lenders with loan programs that meet your own criteria. Whether you’re a US based investor looking for the best deal, or a non-resident like me looking for DSCR lenders with programs for foreigners, you’ll find the best DSCR lenders available in this guide.
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Why I Compiled This List of DSCR Lenders
Before we get started, I wanted to add a few words to let you know why I put together this list. As I mentioned, I’ve been buying investment properties in the USA since 2016. I use DSCR lenders to fund and/or refinance all of my own properties, and for my clients too. When I’m underwriting a rental property, it’s crucial to include accurate terms for the financing, and get the best DSCR loan rates possible.
With that said, some DSCR lenders don’t offer the best terms. Others will change the terms on you just before closing. Both of those things can absolutely kill a good deal. For example, recently I was quoted a DSCR loan rate of 8.25% from one lender, and 7.125% from another lender for the exact same property! That’s why I put together this list… So you can save yourself hours (or days/weeks) searching the internet looking for a DSCR lender that offers good terms, and operates with honesty and integrity.
Best DSCR Lenders in 2025
Here’s my list of the best DSCR lenders in 2025 in an easy to read table format. I’ve included as much information as possible to help you find a DSCR lender with a loan program and terms to suit your own circumstances.
| Lender | Name of Loan Program | Credit Score Requirement | Max LTV | Min. Loan Size | Max Loan Size | States Covered | States Excluded | Link to Website |
|---|---|---|---|---|---|---|---|---|
| RCN Capital | Long-Term Rental Loans | 660+ | 80% (Purchase/Refinance), 75% (Cash-Out) | $75,000 | $2,000,000 (1-4 Family), $2,000,000 (5-9 Units) | Nationwide | ND, SD, VT | Visit Website |
| A&D Mortgage LLC | DSCR Loan Program, Foreign National DSCR Program | Min 620 (DSCR as low as 0), Min 680 (DSCR < 1), No Score or FICO 660 (Foreign National) | 80% CLTV (general), 75% LTV (Cash-out), 75% CLTV (Foreign National Purchase), 70% CLTV (Foreign National Cash-out) | N/A | $3,500,000 (general), $3,000,000 (Foreign National) | N/A (mentioned in RI, VA) | N/A | Visit Website |
| OCMBC Inc. dba LOANStream Mortgage | DSCR Investor Program | Down to 620 FICO | 85% (Purchase/Rate & Term Refi), 75% (Cash-Out Refi) | N/A | $3,500,000 | Licensed in AZ, CA, DC, FL, GA, MD, NC, OR, TN, TX, VA, WA | N/A (some products may not be available in all states) | Visit Website |
| CrossCountry Mortgage | Signature Expanded Investor Cash Flow loan | Min 620 | 85% (implied by 15% down) | $100,000 | $3,000,000 | N/A (top national lender) | N/A | Visit Website |
| Newfi | DSCR Loan Programs | Min 640 | 75% (Cash-Out), 80% (Purchase – implied by 20% down) | $100,000 | $2,500,000 (Residential 1-4 unit), $1,500,000 (Foreign National) | 47 States | N/A (implies 3 excluded states) | Visit Website |
| Griffin Funding | DSCR Purchase Loans, DSCR HELOANs, DSCR Cash-Out Refinance Loans, DSCR No Ratio Loans, 15% Down DSCR Loans, DSCR/Asset Hybrid Loan | Min 620 (general), 700+ (No Ratio), 740+ (15% Down) | 85% (15% down), 75% (Cash-out), 75% (No Ratio) | $100,000 (general), $75,000 [1] | $20,000,000 (general), $500,000 (HELOAN), $5,000,000 (Cash-out) | Nationwide (including OH, OK, PA, SD, WA, WI, CT, ID, IA, KY, MN, MS, MT) | Rural Areas | Visit Website |
| Gustan Cho Associates | DSCR (Debt-Service Coverage Ratio) Loans, Non-QM DSCR Rental Property Mortgage Loans, Single Investment Property Loans With No Income Documentation, Portfolio Lines of Credit | Min 640 (general), 660 (Portfolio), 700+ (20% down), 680-699 (25% down), 660-679 (30% down) | 80% (700+ FICO), 75% (680-699 FICO), 70% (660-679 FICO), 75% (Portfolio) | $75,000 (Single Property), $700,000 (Portfolio) | N/A | 48 states including DC, Puerto Rico, and U.S. Virgin Islands | N/A (implies 2 excluded states) | Visit Website |
| CoreVest Finance | DSCR Loans, 30-Year DSCR | Min 680 | 75% | $75,000 | $2,000,000+ | Nationwide | Loan product availability may be limited in certain states | Visit Website |
| AmeriHome Mortgage | DSCR Loan, Investor Cash Flow Loan | N/A | N/A (Cash-Out up to $500,000) | N/A | $1,000,000 | N/A | N/A | Visit Website |
| Mortgage Equity Partners of Rhode Island | DSCR Loans, Investor Cash Flow Loans | Min 575 | 80% (Purchase/Rate-Term Refi), 75% (Cash-Out Refi) | $100,000 | $3,000,000 | Rhode Island | N/A | Visit Website |
| Kiavi | DSCR Rental | N/A (qualifies property, not W2) | 80% | $100,000 | $3,000,000 | 32 states + D.C. | N/A (implies 18 excluded states) | Visit Website |
| OfferMarket | DSCR Loan Programs | Min 660 (best terms for 720+) | 75% (Cash-out for 700+ FICO), 70% (Cash-out for 680-699 FICO), 80% (Purchase – implied by 20% down) | $55,000 (general), $100,000 (for properties not part of portfolio) | N/A (max $2M for hard money which can convert to DSCR) | 45+ states | Rural properties | Visit Website |
| Angel Oak Mortgage Solutions | Investor Cash Flow Loan (DSCR Loan) | Min 680 (Up to 75% LTV), Min 720 (Up to 85% LTV) | 85% (Min 720 FICO) | $100,000 | $3,000,000 | AL, CO, CT, FL, GA, IN, LA, MO, NC, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI | N/A (implies states not listed are excluded) | Visit Website |
| Lima One Capital | DSCR loans for single-family rentals, short-term rentals, and portfolio rentals | N/A (investor-based approval) | 80% (general requirement for KC) | $75,000 | $20,000,000 | N/A (mentioned in TX, MD, MO) | N/A | Visit Website |
| Malve Capital LLC | DSCR 30-Year Amortized Loans | Min 660 | 80% (LTV/LTP) | $75,000 (1-4 units), $300,000 (5+ units) | $2,500,000 (1-4 units), $10,000,000 (5+ units) | AL, AR, FL, GA, IL, IN, KY, LA, MI, MS, MO, NJ, NY, NC, OH, SC, TN, TX | N/A (implies states not listed are excluded) | Visit Website |
| Temple View Capital | DSCR 30-Year Loans (Long-Term & STR/Vacation Rentals), 2nd Mortgage Cash Out for Rentals | Min 660 (1st mortgages), Min 680 (2nd mortgages) | 80% (Purchase/Rate-Term Refi), 75% (Cash-Out Refi), 85% CLTV (2nd Mortgage) | $55,000 (1st mortgages), $30,000 (2nd mortgages) | $2,000,000 (1st mortgages), $500,000 (2nd mortgages) | Nationwide | ND, SD, VT | Visit Website |
| HouseMax Funding | DSCR long-term rental loans | Min 649 | 80% (Purchase Long-Term) | $75,000 | $7,000,000 | Nationwide | AK, AZ, NV, ND, SD, VT | Visit Website |
| LendingOne | DSCR Rental Loans | N/A (flexible credit requirements) | 80% (Purchase/Refinance), 75% (Cash-out) | $70,000 | $2,000,000 | All states except AK, NV, ND, SD | AK, NV, ND, SD | Visit Website |
| Conventus | DSCR Loans, No RATIO PRO DSCR Program | Min 550 (general), 650+ (No Ratio PRO) | 75% (FICO 650+ up to $3.5M), 70% (FICO 625+ up to $2M), 65% (FICO 625+), 60% (FICO 600+), 50% (FICO 550+), 75% (No Ratio PRO) | N/A | $4,000,000 (general), $2,000,000 (No Ratio PRO) | N/A (mentioned in MD) | N/A | Visit Website |
| Nationwide Mortgage – Rental Property Loans | DSCR 30-year loans for rental properties | N/A | 80% (general for KC) | $100,000 | $5,000,000 | Nationwide | N/A | Visit Website |
| Dominion Financial | 30-Year DSCR Rental Loans | Min 680 (exceptions down to 660) | 80% (Purchase/Rate & Term), 75% (Cash-out) | $100,000 (Min property value) | N/A (up to 10 units) | All 50 states and D.C. | None | Visit Website |
| NQM Funding (formerly NQMF) | DSCR Supreme, Investor DSCR | Min 640 (Investor DSCR), Highly credit qualified (DSCR Supreme) | 80% (Purchase/R/T), 75% (Cash-out) | $200,000 | $6,000,000 (DSCR Supreme), $3,000,000 (Investor DSCR) | N/A (mentioned in MT, NM) | N/A | Visit Website |
| Lendmarq | Long-term 30-year DSCR loans | N/A | N/A | N/A | N/A | Nationwide | N/A | Visit Website |
| Emporium TPO | Empower DSCR, Elevate DSCR, Edge DSCR | Min 700 (Empower), Min 680 (Elevate), Min 640 (Edge) | 80% (Purchase), 75% (Cash-out) | N/A | $3,000,000 (Empower/Elevate), $3,500,000 (Edge) | N/A | N/A | Visit Website |
| F5 Mortgage LLC | DSCR Loans | Min 680 (general), Min 620 (for purchasing rental properties) | N/A (20-25% down payment) | N/A | N/A | Florida, Texas | Condotels, Dome homes, Manufactured Housing, Log cabins, Rural properties, properties less than 750 sq ft | Visit Website |
| American Heritage Lending | DSCR Loan Programs | N/A (no personal income verification) | 85% | N/A | N/A | CA, MA, PA, TN (and implied nationwide) | N/A | Visit Website |
| Buckhead Home Loans | DSCR loans (“No personal income loans for real estate investors”) | N/A (low credit scores accepted for other loans, no minimum for DSCR but credit checked) | N/A | N/A | N/A | Alabama | N/A | Visit Website |
| Mohave Mortgage | DSCR loans | N/A (good credit score necessary) | N/A | N/A | N/A | Arizona | N/A | Visit Website |
| Tidal Loans | DSCR Loan Colorado program, Airbnb Financing/Short-Term Rental Loans | Min 500 | 80% | N/A | N/A | Nationwide (including CO, FL, GA, NC, TN) | N/A | Visit Website |
| Waltz | DSCR loans | No U.S. credit score required for foreign nationals (reviews home country credit history) | 75% (implied by 25% down payment) | $100,000 | $1,000,000 | Delaware (specifically for foreign nationals, implies broader coverage) | N/A | Visit Website |
| LoanPro Mortgage Solutions | DSCR home loans | Min 620+ | 80% (implied by 20% down payment) | N/A | N/A | Georgia (Cumming, GA) | N/A | Visit Website |
| Myers Capital Hawaii | DSCR Loans, No-Ratio DSCR Loans | N/A (competitive rates, higher credit scores get better rates) | N/A | N/A | N/A | Hawaii | N/A | Visit Website |
| Longleaf Lending | Long-Term DSCR Loans | N/A (focus on experience, liquidity, credit score) | N/A | N/A | N/A | Montana | N/A | Visit Website |
| Capital Home Mortgage | DSCR Home Mortgages | Min 620 (general), Min 680 (preferred) | 85% (dependent on property type/credit score) | $100,000 | $3,000,000 | Nebraska | N/A | Visit Website |
| Pacific Home Loans | DSCR loan programs | N/A | 80% (implied by 20% down) | N/A | $5,000,000 | Nevada | N/A | Visit Website |
| Easy Street Capital | EasyRent DSCR Loan program | Min 640 | 80% (Acquisitions/Rate-Term Refinances), 75% (Cash-Out Refinances) | $75,000 (single property), $225,000 (portfolio) | $3,500,000 (single property), $5,000,000 (portfolio) | NH, NC, MN, WA, WY (and implied nationwide) | N/A (some states have restrictions on prepayment penalties) | Visit Website |
| Aceland Mortgage | DSCR Loan | N/A (can underwrite for DSCRs as low as 0%) | N/A | N/A | N/A | Any US State (most recently NJ, PA, CT, TX, FL, CA) | N/A | Visit Website |
| Block Financial Resources (BFR) | DSCR (Debt Service Coverage Ratio) loans and mortgages | No minimum tradelines with 3 credit scores, BK & Foreclosure: 24 months seasoning with reduced LTV | 80% (implied by 20% down payments) | N/A | $5,000,000 or higher | Most of the 50 states | New York (for direct solicitation/loan applications through their website) | Visit Website |
| Texas Premier Mortgage | Customizable DSCR loan programs | N/A | 80% (implied by 20% min down payment) | N/A | N/A | Texas | N/A | Visit Website |
| LBC Mortgage | DSCR (Debt Service Coverage Ratio) loans, No Ratio DSCR loans | Min 620 | 80% (general), 75% (No Ratio) | $200,000 (general) | $4,000,000 | CA, DE, FL, VT, TX, WA, NC, IL | N/A | Visit Website |
| Blue Square Mortgage | DSCR Loans | N/A | N/A | N/A | N/A | Washington | N/A | Visit Website |
| Pimlico (Coastal Equity Group / HomeLife Mortgage) | DSCR Rental Loans | N/A (strong credit profile helps secure best pricing) | 80% (Purchase/Rate & Term), 75% (Cash-out) | $150,000 | $2,000,000 | N/A (mentioned in MD) | N/A | Visit Website |
| ROC Capital | Single Property Rentals, Rental Portfolios | Min 620 (general), but offers soft credit pulls | 80-90% (Acquisition), 80% (Cash-out) | N/A | N/A | Nationwide | N/A | Visit Website |
| Rehab Financial Group | 30-Year Rental Refi’s & Purchase | Min 650 | 75% (ARV) | $100,000 | $1,250,000 | N/A (mentioned in VA, MD) | Land Loans, Owner-Occupied Homes, Rural Areas | Visit Website |
| Rain City Capital | DSCR (30-year fixed) Rental Loans | N/A | 80% | $75,000 | $5,000,000 | 14 states (WI mentioned) | N/A | Visit Website |
| Minnow Loan | Residential Long-Term DSCR Loans (1-4 Units), Multifamily Long-Term Loans (5+ Units) | Min 660 (for long-term DSCR loans) | 75% (Residential Long-Term), 75% (Multifamily Long-Term) | $75,000 (Residential Long-Term), $100,000 (Multifamily Long-Term) | $2,000,000 (Residential Long-Term), $2,000,000 (Multifamily Long-Term) | Missouri | Owner-Occupied Homes, 2nd Mortgages, Rural Areas | Visit Website |
| Western Ohio Mortgage Corporation | DSCR Loans | N/A | N/A | N/A | N/A | Ohio | N/A | Visit Website |
| Ascension Mortgage Brokers, Inc. | DSCR Loans | N/A | N/A | N/A | N/A | Utah | N/A | Visit Website |
| Certain Lending | DSCR long-term rental loan programs | N/A (min 640-680 for DSCR loans in general from Park Place Finance) | 80% | $100,000 | $4,000,000 | N/A (mentioned in KC) | N/A | N/A |
| KECO Capital, LLC | DSCR Mortgage Loans | Min 620 | 85% (Dependent on Property Type / Credit Score) | $100,000 | $3,000,000 | N/A (mentioned in KC) | N/A | N/A |
| Center Street Lending | DSCR Rental Loan | Min 640 | 80% (Purchase/Rate Term Refi), 75% (Cash-Out Refi) | $100,000 | $40,000,000 | AZ, CA, DC, FL, GA, MD, NC, OR, TN, TX, VA, WA | N/A | Visit Website |
| Readycap Lending | Construction loans (with DSCR minimums) | N/A | 80% (Construction Finance) | $5,000,000 (Residential Finance), $5,000,000 (Construction Finance) | $30,000,000 (Residential Finance), $75,000,000 (Construction Finance) | N/A (mentioned in UT) | N/A | Visit Website |
| CV3 Financial Services | Rental | Min 660 | 85% | $75,000 | $5,000,000 | AL, AZ, CA, CO, CT, FL, GA, HI, IL, IN, LA, MA, MD, MI, MN, MO, NC, NJ, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, DC | N/A | Visit Website |
Final Thoughts: Finding the Best DSCR Lenders For You!
When comparing DSCR vs conventional loans, or fixed rate vs ARM DSCR loans, I know how difficult it can be to find DSCR lenders that are willing to fund your deal on good terms, so I hope you found my list useful. You can also use my free DSCR loan calculators to work out the DSCR ratio for any property, along with estimated interest rates and closing costs.
Finally, if you want to stay up to date on the best possible DSCR loan deals, and get exclusive off-market DSCR-approved rental properties delivered to your inbox every week, you can join my VIP Priority Investor List. If you have a property you’d like to get approved for funding, you can use the ‘Get Pre-Approved’ button below and I’ll connect you directly with my own preferred DSCR lender.
P.S. If you want to see how the number actually work, you can review a detailed breakdown of a DSCR loan we used to help a client purchase a rental property in Cleveland, Ohio in my DSCR loan case study.
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“Having personally invested in over 120 US rental properties from overseas, I know the true value of getting the right advice and support.
David Garner – Cashflow Rentals
GET PRE-APPROVED FOR THE BEST DSCR LOAN INTEREST RATES TODAY!
Start your real estate investment journey today get pre-approved for the best DSCR loan interest rates from market leading lenders!
“Having personally invested in over 120 US rental properties from overseas, I know the true value of getting the right advice and support.
David Garner – Cashflow Rentals
Frequently Asked Questions
Do banks give DSCR loans?
Some banks and credit unions offer DSCR (Debt-Service Coverage Ratio) loans, but most DSCR lending is done by non-QM lenders, private lenders, and mortgage brokers that specialize in investor loans. Availability varies by market and institution.
Are all DSCR loans 20% down?
No. While 20% down is common, many lenders require 20–25% down. Strong files (high credit, higher DSCR, solid reserves) can qualify for 15% down with select lenders, whereas foreign national or small-market properties may require more.
What is the downside of a DSCR loan?
Downsides can include higher interest rates than conventional loans, prepayment penalties (often 3–5 years step-down), points/fees, stricter rent and appraisal requirements, DSCR minimums, cash-reserve requirements, and limits on certain property types or locations.
What is the best DSCR?
Higher is better. Many long-term rental programs price best at ≥1.25 DSCR, with approvals often starting around 1.10–1.20. Short-term rentals may have different calculations. Some “no-ratio” programs don’t use DSCR but typically come with tighter LTV or higher rates.
Are DSCR loans hard to get?
They’re easier on income documentation (no W-2s/tax returns) but still require strong credit, sufficient reserves, acceptable appraisal, and rents that support the payment. First-time investors or complex properties can face tighter guidelines.
Can I get a DSCR for $75,000?
Often yes. Many lenders set minimum loan sizes between $75,000 and $100,000. If a lender’s minimum is $100,000, consider bundling properties (portfolio DSCR) or choosing a lender with a $75,000 minimum.
Can an LLC get a DSCR loan?
Yes. Most DSCR lenders allow closing in an LLC or moving title to an LLC post-close. Personal guarantees from the members are commonly required.
Can you pay off a DSCR loan early?
Usually yes, but prepayment penalties often apply during the first 3–5 years (e.g., 5-4-3-2-1 or 3-2-1 step-downs). After the penalty period, you can typically pay off or refinance without a fee.
What DSCR is too high?
There’s no “too high” DSCR from a lender’s perspective—higher DSCR means stronger cash flow. Exceptionally high DSCR may suggest under-leverage, but lenders generally cap LTV, not DSCR.
