Shop every DSCR lender in America.
We negotiate. You close.
DSCR Authority matches real estate investors with the right lender across 40+ national DSCR programs — at the best rate, fastest close, and fewest surprises. Free. No credit pull.
- 40+ DSCR lenders
- All 50 states
- No credit pull to match
- Offers in 1 hour
One application, 40+ lenders
Stop calling lenders one by one.
Neutral, not commission-driven
We don't rank ourselves #1 — we're not a lender.
Every structure covered
SFR, MF, STR, condotel, foreign national, no-ratio.
Real rates, weekly
Rate tables updated every Monday.
How it works
The shortest path from deal to closed loan
Tell us about your deal
60 seconds. Property, rent, credit, state. No credit pull.
We shop 40+ DSCR lenders
We target the 3 programs that fit your DSCR, LTV, property type, and state — and negotiate.
You pick. You close.
Top 3 offers side-by-side with rate, fees, PPP, and close timeline. Choose and lock.
Start anywhere
The definitive DSCR library
Five pillars covering everything investors need — from first DSCR calculation to scaling a 50-property portfolio.
Learn
Everything about DSCR loans
Plain-English guides covering how DSCR loans work, how to qualify, and how to use them to scale a rental portfolio.
ExploreTools
Interactive calculators
Free DSCR calculators, qualification estimators, and BRRRR modelers. Built for investors, not salespeople.
ExploreStates
DSCR rules in all 50 states
State-by-state coverage of DSCR lender availability, foreclosure timelines, rent control, tax treatment, and market conditions.
ExploreCompare
Lenders, loans, rates
Neutral, data-driven comparisons across DSCR lenders and loan types — updated weekly.
ExploreInvest
Strategy for every investor
Entity structure, BRRRR playbooks, portfolio strategy, foreign-national programs, and 1031 exchanges.
ExploreTools
Free calculators that don't email-wall you
Run your numbers first. We'll shop lenders when you're ready.
Live DSCR rates
Current DSCR loan rates — as of this week
Rate tables updated every Monday across all credit, LTV, and DSCR tiers. Fixed, ARM, and interest-only variants.
Sample — 30-year fixed · SFR · 75% LTV · 1.10 DSCR
Indicative rates only. Actual quote depends on full profile. Not a commitment to lend.
Lender network
We shop every major DSCR lender
Our matching engine spans 40+ national DSCR programs — including SFR specialists, portfolio lenders, no-ratio programs, foreign-national specialists, and institutional buyers. Compare all of them in one place.
Why investors choose us
Every lender emailing you is selling you. We're not.
"Every ‘best DSCR lenders' page I read ranked the author's own firm first. DSCR Authority is the first site I trusted — they got me to a 6.75% rate when three direct lenders quoted 7.25-7.625%."
Marcus T.
Florida SFR investor, 12 properties
"The BRRRR modeler and state page for Ohio saved me a costly mistake — I was about to refi too early and trigger full PPP. Their team found a lender with 3-month seasoning at the same rate."
Priya S.
Midwest portfolio builder
"As a Canadian investing in Texas, I got nowhere with direct lenders. DSCR Authority matched me with HomeAbroad in 30 minutes. Closed in 32 days."
James W.
Foreign national, first US rental
Ready?
Get your top 3 DSCR offers today
Free. No credit pull. One business hour turnaround. Zero pressure.
- Licensed brokers only — no call-center lead resellers
- We shop rate, fees, PPP, and close timeline — not just rate
- Your info never sold — we only match you with lenders who fit
Frequently asked
Common questions about DSCR matching
DSCR Authority is an independent editorial resource and loan-matching service. We don't originate loans. When matched borrowers choose a partner lender and close, the lender pays us a referral fee. Lender compensation never influences our comparisons, rate tables, or editorial content.