AC
Acra Lending
FICO600
LTV85%
DSCR0.80
Close25d
SFRDuplex3–4 UnitCondoTownhome
42 of 50 states + DCView details →
DSCR Lender Directory
Compare Top DSCR Lenders
Side-by-side FICO, LTV, DSCR, close time, and state coverage for every major DSCR rental loan lender. Updated regularly.
14 lenders · 50 states + DC · Rates estimated
Sort by:
Direct Lender
AN
Angel Oak
FICO680
LTV75%
DSCR1.00
Close21d
SFRCondoTownhome
47 of 50 states + DCView details →
CO
CoreVest
FICO680
LTV75%
DSCR1.20
Close30d
SFR5+ UnitCondoTownhome
46 of 50 states + DCView details →
DE
Deephaven
FICO640
LTV80%
DSCR0.80
Close28d
SFRDuplex3–4 UnitCondoTownhome
50 of 50 states + DCView details →
EA
Easy Street
FICO660
LTV80%
DSCR1.00
Close30d
SFR5+ UnitCondo
49 of 50 states + DCView details →
GR
Griffin Funding
FICO660
LTV75%
DSCR1.00
Close25d
SFRDuplex3–4 Unit5+ UnitCondoTownhome
51 of 50 states + DCView details →
KI
Kiavi
FICO660
LTV80%
DSCR1.10
Close14d
SFRDuplex3–4 UnitCondo
50 of 50 states + DCView details →
LE
LendSure
FICO660
LTV80%
DSCR1.00
Close30d
SFRDuplex3–4 UnitTownhome
50 of 50 states + DCView details →
LI
Lima One
FICO660
LTV80%
DSCR1.00
Close35d
SFR5+ UnitCondo
47 of 50 states + DCView details →
NE
New Silver
FICO660
LTV80%
DSCR0.75
Close18d
SFR5+ Unit
42 of 50 states + DCView details →
NE
Newfi Wholesale
FICO640
LTV80%
DSCR0.80
Close28d
SFRDuplex3–4 UnitCondoTownhome
49 of 50 states + DCView details →
RC
RCN Capital
FICO680
LTV80%
DSCR1.25
Close30d
SFR5+ UnitCondoTownhome
45 of 50 states + DCView details →
RO
Roc Capital
FICO680
LTV75%
DSCR1.20
Close22d
SFRDuplex3–4 UnitTownhome
46 of 50 states + DCView details →
VI
Visio Lending
FICO680
LTV80%
DSCR1.10
Close28d
SFRDuplex3–4 UnitCondoTownhome
42 of 50 states + DCView details →
Frequently Asked Questions
What is a DSCR lender?
A DSCR lender is a mortgage lender that qualifies borrowers based on the Debt Service Coverage Ratio (DSCR) of the investment property — the ratio of rental income to loan payments — rather than the borrower's personal income.
How many DSCR lenders does DSCR Pulse compare?
DSCR Pulse compares 14 top DSCR lenders including Acra Lending, Angel Oak, CoreVest, Deephaven, Easy Street, Griffin Funding, Kiavi, LendSure, Lima One, New Silver, Newfi Wholesale, RCN Capital, Roc Capital, Visio Lending.
What FICO score do I need for a DSCR loan?
Most DSCR lenders require a minimum FICO score of 660–680. Acra Lending accepts scores as low as 600, making it the most flexible option for borrowers with lower credit scores.
What is the minimum DSCR required for a DSCR loan?
Minimum DSCR requirements vary by lender. Most require 1.10–1.25 DSCR. Acra Lending is the most flexible, accepting DSCR ratios as low as 0.75.
How fast can I close a DSCR loan?
Close times range from 14 days (Kiavi) to 35 days (Lima One). Most DSCR lenders close in 21–30 days.
Can I get a DSCR loan for a short-term rental (Airbnb)?
Yes — some DSCR lenders like Angel Oak accept short-term rental (STR) income for qualification. Not all lenders allow STR, so compare options carefully.
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