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DSCR Loan Rates Today — July 2026 Update

DSCR loan rates today (July 2026): 30-year fixed, ARM, and interest-only baselines by credit and LTV. What moved since May and where to get lockable quotes.

Reviewed by Chris MicucciUpdated 6 min read

As of July 11, 2026, DSCR loan rates for clean LLC-vested 1–4 unit rentals sit in a workable band: roughly 6.125%–7.375% on a 30-year fixed, depending on credit, LTV, and DSCR tier. The headline anchor for a standard file (720 FICO / 75% LTV / 1.00–1.24 DSCR) is near 6.75% on our blended network sheet (~1 point).

This post is a short market snapshot. For the full live grids by credit tier and LTV — including 5/1 ARM, 7/1 ARM, and interest-only — use the canonical DSCR loan rates today page (updated every Monday).

Where rates are right now

Product 720 FICO / 75% LTV / 1.00–1.24 DSCR
30-yr fixed ~6.75%
5/1 ARM ~6.375%
7/1 ARM ~6.50%
10-yr IO / 30-yr term ~7.00%

Top-tier files (740+ FICO, 1.25+ DSCR, 75% LTV) clear closer to 6.125%–6.625% on 30-year fixed. Sub-1.0 DSCR or 680 FICO files typically land 6.875%–7.375%.

Freddie Mac’s owner-occupied 30-year fixed averaged 6.49% for the week of July 9, 2026 — a useful conventional benchmark, not an apples-to-apples DSCR quote. Single-lender “par / 0-point” marketing rates can print lower than our blended baselines.

These are blended broker-sheet baselines, not lockable quotes. State adjusters, condo/STR overlays, points, and prepay structure can move a file 0.25%–0.75%.

What changed since the May update

Spread stability: Non-QM DSCR spreads to the 10-year Treasury remain compressed versus 2024 peaks. Absolute note rates have been range-bound rather than trending hard either direction through early July.

Product mix: Demand for 30-year fixed DSCR remains dominant. ARM and interest-only still price with familiar discounts/premiums (roughly −0.25% to −0.50% for 5/1 ARMs; +0.125% to +0.375% for 10-year IO features).

No-ratio and portfolio: No-ratio DSCR and portfolio/blanket programs continue to carry their usual premiums and tighter LTV caps — useful for vacant/STR/scale files, not for chasing the lowest published rate.

Practical takeaways for July

  1. Shop the sheet, not the headline. The same credit/LTV/DSCR profile can price 25–50 bps apart across lenders.
  2. Lock if you’re under contract. Day-to-day movement is usually small (±0.125%), but floating through underwriting is rarely worth it on a dated purchase contract.
  3. Refinance math still hinges on PPP. A rate-and-term refinance that saves 0.50% may not pencil if you’re inside a 5/4/3/2/1 prepay window.
  4. Run the ratio first. Use the DSCR calculator before you rate-shop — tier (0.75 / 1.00 / 1.25) often moves pricing more than a few FICO points.

Use our DSCR rates page for the full credit-tier and LTV grid, updated every Monday. To get a real, lockable quote on your specific deal, get matched with the top 3 lenders in our network.

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