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Updated May 21, 2026

Last reviewed May 20, 2026

Best DSCR Lenders 2026 — Neutral Comparison

Unlike lender-operated comparison pages, we don't rank ourselves #1 (we're not a lender — we shop across all of them for you). Rankings below are alphabetical. Data is verified manually every month against each lender's public materials.

Covering 14 national DSCR lenders — funded volume, state coverage, DSCR/FICO minimums, max LTV, foreign-national policy, and specialty programs side-by-side.

Showing 14 of 14 lenders

A&D Mortgage

Jumbo DSCR and non-QM — up to $5M with 85% LTV on strong profiles

Yes
Funded
—
States
National
Min DSCR
0.75
Min FICO
680
Max LTV
85%
Calc
No

Angel Oak Mortgage Solutions

Full non-QM menu — bank statement, ITIN, full doc, and DSCR

Yes
Funded
—
States
23+
Min DSCR
Below 1.0
Min FICO
N/A
Max LTV
80%
Calc
Yes

CoreVest Finance

Institutional DSCR plus portfolio and blanket loan strength

Limited
Funded
—
States
National
Min DSCR
1.0
Min FICO
N/A
Max LTV
75%
Calc
No

Defy Mortgage

Highest LTV in market for SFR purchases (85% at 740+ FICO)

Yes
Funded
—
States
National
Min DSCR
0.75
Min FICO
N/A
Max LTV
85%
Calc
No

DSCR.PRO

Tool-forward marketplace — ITIN and full foreign national programs

Yes
Funded
—
States
National
Min DSCR
N/A
Min FICO
N/A
Max LTV
80%
Calc
Yes

Easy Street Capital

Strategy-focused investor content (BRRRR, STR, mid-term rentals)

Limited
Funded
$1.1B+
States
46
Min DSCR
No minimum
Min FICO
N/A
Max LTV
80%
Calc
No

Griffin Funding

Widest product suite — interest-only, no-ratio, 6-month HELOANs, ARMs, state guides

Yes
Funded
$3B+
States
50
Min DSCR
0.75
Min FICO
620
Max LTV
80%
Calc
Yes

HomeAbroad

Foreign national and ITIN specialist — publishes baseline rates publicly

Yes
Funded
—
States
National
Min DSCR
0.75
Min FICO
N/A
Max LTV
75%
Calc
Yes

Kiavi

Strongest investor-lender brand — 100,000+ projects funded

No
Funded
$13B+
States
National
Min DSCR
1.0
Min FICO
N/A
Max LTV
80%
Calc
Yes

LendingOne

SFR rental DSCR plus bridge and new construction

Limited
Funded
—
States
National
Min DSCR
0.75
Min FICO
N/A
Max LTV
80%
Calc
Yes

Lima One Capital

Institutional scale — DSCR, bridge, and rental portfolio programs

Yes
Funded
—
States
46
Min DSCR
1.0
Min FICO
N/A
Max LTV
80%
Calc
No

New Silver

Tech-forward instant online application

No
Funded
—
States
National
Min DSCR
0.75
Min FICO
N/A
Max LTV
80%
Calc
Yes

Ridge Street Capital

Daily rate-sheet updates; niche entity structures (series LLC, TBD)

Limited
Funded
—
States
National
Min DSCR
1.0
Min FICO
N/A
Max LTV
80%
Calc
No

Visio Lending

Fastest 30-day cash-out seasoning in market; LLC-only program

No
Funded
$4B+
States
38
Min DSCR
Low/No DSCR
Min FICO
680
Max LTV
80%
Calc
Yes

How we compare lenders

Data sources

Each lender's public website, product sheets, program matrix, published calculators, and (where available) broker-facing rate sheets. We do not accept paid placement.

Refresh cadence

Lender data is re-verified every 30 days. Rate tables on the DSCR rates page refresh weekly. The last-verified date sits on every lender record.

No rankings

The table is sortable and filterable. We intentionally do not publish a "best overall" pick because the right lender depends on credit, property type, state, and strategy.

Known limits

Program terms change frequently. Use these numbers as a starting-point filter; final terms always come from a live quote. Flag corrections to the editorial team and we'll re-verify.

Lender profiles (alphabetical)

Each card summarizes the lender's positioning, what they're best for, and honest strengths and weaknesses we've observed.

A&D Mortgage

Jumbo DSCR and non-QM — up to $5M with 85% LTV on strong profiles

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Jumbo DSCR up to $5M with 85% LTV available for strong credit profiles. Broader non-QM shop with DSCR as one vertical.

Coverage: National. Min DSCR 0.75, min FICO 680, max LTV 85%.

Best for:

Jumbo DSCR borrowers up to $5M with strong credit.

Strengths

  • + Jumbo DSCR up to $5M
  • + 85% LTV available on strong credit profiles
  • + Foreign national program

Weaknesses

  • − No public DSCR calculator
  • − 680 minimum FICO

Angel Oak Mortgage Solutions

Full non-QM menu — bank statement, ITIN, full doc, and DSCR

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Full non-QM product menu including bank statement, ITIN, full doc, and DSCR. Rate sheets are not published publicly; foreign-national program limited to U.S. residents.

Editor's pick — non-traditional income

Angel Oak's full non-QM suite (bank statement, ITIN, sub-1.0 DSCR) makes it the pivot lender when a file doesn't fit a single-product DSCR box.

Coverage: 23+. Min DSCR Below 1.0, min FICO N/A, max LTV 80%.

Best for:

Non-traditional income borrowers who may need to switch between DSCR and bank-statement programs.

Strengths

  • + Full non-QM suite: bank statement, ITIN, full doc, DSCR
  • + Accepts below-1.0 DSCR scenarios
  • + Strong jumbo capability

Weaknesses

  • − Rate sheets not public
  • − State licensing footprint narrower than national peers

CoreVest Finance

Institutional DSCR plus portfolio and blanket loan strength

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Institutional-grade DSCR plus portfolio and blanket loans. Minimum loan is typically $500K+, so this is a lender for scaled investors rather than first-timers.

Coverage: National. Min DSCR 1.0, min FICO N/A, max LTV 75%.

Best for:

Scaled investors with $500K+ loans or rental portfolios.

Strengths

  • + Portfolio and blanket-loan strength
  • + Institutional execution for large deals
  • + Deep history with scaled rental investors

Weaknesses

  • − $500K+ minimum loan excludes single small rentals
  • − No public DSCR calculator
  • − Aimed at portfolio investors, not first DSCR deal

Defy Mortgage

Highest LTV in market for SFR purchases (85% at 740+ FICO)

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Highest LTV in market for SFR purchases (85% at 740+ FICO) and 70% LTV for foreign nationals. Among the most aggressive content strategies in the category.

Coverage: National. Min DSCR 0.75, min FICO N/A, max LTV 85%.

Best for:

High-FICO borrowers chasing maximum LTV on a single SFR purchase.

Strengths

  • + Highest LTV on SFR purchase (85% at 740+ FICO)
  • + 70% LTV foreign national program
  • + Among the most transparent content blogs

Weaknesses

  • − No public DSCR calculator
  • − 85% LTV requires 740+ FICO; most borrowers won't qualify

DSCR.PRO

Tool-forward marketplace — ITIN and full foreign national programs

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Marketplace model that routes deals to lender partners rather than funding in-house. Publishes five public calculators and accepts ITIN plus full foreign national borrowers.

Coverage: National. Min DSCR N/A, min FICO N/A, max LTV 80%.

Best for:

ITIN and foreign national borrowers who want a marketplace shopping multiple lenders.

Strengths

  • + Five public-facing calculators (most in the category)
  • + Full foreign national and ITIN acceptance
  • + Marketplace model — shops multiple lender partners

Weaknesses

  • − Marketplace model — they don't fund, they broker to partners
  • − Underwriting experience depends on the receiving lender

Easy Street Capital

Strategy-focused investor content (BRRRR, STR, mid-term rentals)

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Deepest single-topic content for strategies like BRRRR, STR, and mid-term rentals. Focus is 1-4 unit non-owner-occupied; no public DSCR calculator.

Funded volume: $1.1B+. Coverage: 46. Min DSCR No minimum, min FICO N/A, max LTV 80%.

Best for:

BRRRR, STR, and mid-term rental investors who value strategy-specific underwriting.

Strengths

  • + Best-in-class strategy content (BRRRR, STR, MTR)
  • + No DSCR minimum on their core program
  • + Strong niche focus on 1-4 unit non-owner occupied

Weaknesses

  • − No public DSCR calculator
  • − Only licensed in 46 states

Griffin Funding

Widest product suite — interest-only, no-ratio, 6-month HELOANs, ARMs, state guides

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Among the broadest DSCR product menus including interest-only, no-ratio, 6-month HELOANs, and ARMs. Two public calculators and state-specific guides make it unusually transparent for a non-QM shop.

Editor's pick — broadest product menu

When your deal needs IO, no-ratio, or a short-term HELOAN without re-shopping, Griffin's product stack is the widest we've verified — backed by 50-state licensing and public calculators.

Funded volume: $3B+. Coverage: 50. Min DSCR 0.75, min FICO 620, max LTV 80%.

Best for:

Investors who want one lender that can handle unusual scenarios (IO, no-ratio, short-term HELOANs) without re-shopping.

Strengths

  • + Widest product menu (IO, no-ratio, 6-mo HELOAN, ARMs)
  • + Two public DSCR calculators
  • + 50-state licensing and state-specific guides

Weaknesses

  • − Overlap across products can complicate quick pricing comparisons
  • − Rate sheets not published publicly

HomeAbroad

Foreign national and ITIN specialist — publishes baseline rates publicly

Get matched

Foreign national and ITIN specialist supporting both DSCR and no-ratio programs. One of the few shops that publishes a baseline DSCR rate (6.875% at time of review).

Editor's pick — foreign nationals

HomeAbroad publishes baseline DSCR pricing and specializes in foreign-national and ITIN files where domestic-only lenders decline or cap LTV aggressively.

Coverage: National. Min DSCR 0.75, min FICO N/A, max LTV 75%.

Best for:

Foreign national or ITIN borrowers who want a DSCR specialist with published baseline rates.

Strengths

  • + Publishes a baseline DSCR rate publicly
  • + Foreign national and ITIN specialist
  • + Supports both DSCR and no-ratio programs

Weaknesses

  • − Max LTV tops out at 75% on most programs
  • − Domestic-only investors may find broader options elsewhere

Kiavi

Strongest investor-lender brand — 100,000+ projects funded

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Largest investor lender by volume with an embedded DSCR calculator and polished UX. Pricing and exact terms remain opaque until application.

Editor's pick — volume and speed

Kiavi's $13B+ funded volume and embedded pre-quote flow make it the default for investors who prioritize execution certainty and brand trust over squeezing the last 0.125% on rate.

Funded volume: $13B+. Coverage: National. Min DSCR 1.0, min FICO N/A, max LTV 80%.

Best for:

Investors who prioritize brand trust, speed, and a smooth application over absolute rate.

Strengths

  • + Largest DSCR lender by volume ($13B+ funded)
  • + Embedded DSCR calculator with fast pre-quote
  • + Strong brand trust and reviewer coverage

Weaknesses

  • − Pricing and full terms not visible until you apply
  • − No foreign national program

LendingOne

SFR rental DSCR plus bridge and new construction

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Tech-forward single-family rental DSCR lender that also offers bridge and new-construction loans. Online application is among the cleaner in the category.

Coverage: National. Min DSCR 0.75, min FICO N/A, max LTV 80%.

Best for:

SFR-focused investors who want DSCR plus bridge and new-construction at one shop.

Strengths

  • + Clean online application
  • + Bundle of DSCR + bridge + new-construction in one lender
  • + National footprint

Weaknesses

  • − Foreign national program is limited
  • − Rate sheets not published

Lima One Capital

Institutional scale — DSCR, bridge, and rental portfolio programs

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Institutional-grade DSCR plus bridge and rental-portfolio loans. No public-facing DSCR calculator.

Coverage: 46. Min DSCR 1.0, min FICO N/A, max LTV 80%.

Best for:

Investors who want DSCR plus bridge and rental-portfolio under one lender.

Strengths

  • + Institutional scale and execution certainty
  • + DSCR + bridge + rental-portfolio under one roof
  • + 46-state coverage

Weaknesses

  • − No public-facing DSCR calculator
  • − Minimum deal size better suited for experienced investors

New Silver

Tech-forward instant online application

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Instant online application with strong tech-first UX. Activity concentrated in FL and CA even though the lender is licensed more broadly.

Coverage: National. Min DSCR 0.75, min FICO N/A, max LTV 80%.

Best for:

Tech-oriented investors in Florida and California who want instant online quotes.

Strengths

  • + Instant online application with real pricing feedback
  • + Tech-forward underwriting
  • + Strong FL and CA operational focus

Weaknesses

  • − Geographic concentration in FL/CA
  • − No foreign national program

Ridge Street Capital

Daily rate-sheet updates; niche entity structures (series LLC, TBD)

Get matched

Publishes fresh rate sheets daily and accepts less-common vesting structures including series LLCs and to-be-formed entities.

Coverage: National. Min DSCR 1.0, min FICO N/A, max LTV 80%.

Best for:

Investors using series LLCs, to-be-formed entities, or seeking daily-refreshed rates.

Strengths

  • + Rate sheets refreshed daily
  • + Accepts series LLC and to-be-formed vesting
  • + Niche entity flexibility

Weaknesses

  • − No public DSCR calculator
  • − Foreign national program is limited

Visio Lending

Fastest 30-day cash-out seasoning in market; LLC-only program

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30-day cash-out seasoning is the fastest we've seen; 20,000+ properties financed. Only lends in 38 states and requires an LLC structure.

Editor's pick — fast cash-out

Visio's 30-day cash-out seasoning is the fastest we've tracked among national DSCR shops — the right call when your BRRRR exit timeline is measured in weeks, not months.

Funded volume: $4B+. Coverage: 38. Min DSCR Low/No DSCR, min FICO 680, max LTV 80%.

Best for:

Investors planning fast cash-out refinances after value-add work.

Strengths

  • + 30-day cash-out seasoning (fastest we've tracked)
  • + 20,000+ properties financed on DSCR product
  • + Clean LLC-only program for liability-conscious investors

Weaknesses

  • − Only 38 states — large coverage gaps
  • − LLC required, so some personal-name investors are excluded
  • − 680 minimum FICO is higher than several peers

Get Matched With The Top 3 For Your Deal

Tell us about your deal once. We'll shop it across every lender on this page (and 25+ more) and send you three real offers — rate, fees, prepayment penalty, close timeline — typically within one business hour.

Get matched (free, no credit pull)

Or explore the DSCR calculator, qualification estimator , and current DSCR rates.

Frequently asked questions

Who is the best DSCR lender?
There is no universal best DSCR lender — the right fit depends on credit, LTV, property type, state, and hold strategy. We rank alphabetically, not by pay-to-play. Use our methodology: verify min DSCR/FICO/LTV against your file, filter by state and specialty (STR, foreign national, jumbo), then shop at least three quotes. Our Get Matched service runs that comparison in parallel at no cost.
How accurate is this data?
Every field is manually verified against the lender's public website, marketing materials, and (where accessible) rate sheets. We re-verify monthly and the last-verified date is stored on each lender record. Lender programs change, so the data is a starting point — final terms always come from the lender's underwriter.
Does DSCR Authority work with all these lenders?
We maintain active or testable relationships with most of them. For our free Get Matched service we shop across our full network; if a listed lender is the right fit for your deal, we'll route you to them. We never rank a lender higher because they pay us more — our compensation is normalized across partners.
How often is the page updated?
Rankings are alphabetical and never change. The underlying data (DSCR minimums, LTVs, state counts, programs) is re-verified monthly. Rates shown anywhere on the site are refreshed weekly.
Why don't you rank a #1 best lender?
Because 'best' is deal-specific. A lender that is ideal for a 740-FICO SFR purchase in Florida is often wrong for a foreign national buying a 4-unit in Ohio. Every competitor 'best lenders' page we audited is published by a lender that coincidentally ranks itself #1. We don't play that game.
Should I apply directly to one of these lenders or use your matching service?
Both work. Applying direct gives you one data point. Using Get Matched lets us shop the same deal across several of them in parallel so you can compare apples-to-apples on rate, fees, prepayment penalty, and close timeline before you commit.
Do lenders know if I applied through DSCR Authority?
Yes — we disclose the referral so they can route the file through their broker or partner desk, which often unlocks faster turn times. It does not raise your rate; most of these desks exist specifically to win broker-originated business.
What's the difference between a DSCR lender and a DSCR broker?
A lender funds the loan with their own capital (or via a warehouse line they control). A broker or marketplace shops your scenario across multiple lenders. Some names on this list (like DSCR.PRO) are marketplaces; most are direct lenders. Both have valid use cases.

Related tools and guides

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