Updated April 10, 2026
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.
| Loan range | Calc | Foreign Nat'l | Specialty | ||||||
|---|---|---|---|---|---|---|---|---|---|
| A&D Mortgage | — | National | 0.75 | 680 | 85% | — / $5M | No | Yes | Jumbo DSCR and non-QM — up to $5M with 85% LTV on strong profiles |
| Angel Oak Mortgage Solutions | — | 23+ | Below 1.0 | N/A | 80% | — | Yes | Yes | Full non-QM menu — bank statement, ITIN, full doc, and DSCR |
| CoreVest Finance | — | National | 1.0 | N/A | 75% | $500K / — | No | Limited | Institutional DSCR plus portfolio and blanket loan strength |
| Defy Mortgage | — | National | 0.75 | N/A | 85% | — | No | Yes | Highest LTV in market for SFR purchases (85% at 740+ FICO) |
| DSCR.PRO | — | National | N/A | N/A | 80% | — | Yes | Yes | Tool-forward marketplace — ITIN and full foreign national programs |
| Easy Street Capital | $1.1B+ | 46 | No minimum | N/A | 80% | — | No | Limited | Strategy-focused investor content (BRRRR, STR, mid-term rentals) |
| Griffin Funding | $3B+ | 50 | 0.75 | 620 | 80% | $75K / $20M | Yes | Yes | Widest product suite — interest-only, no-ratio, 6-month HELOANs, ARMs, state guides |
| HomeAbroad | — | National | 0.75 | N/A | 75% | — | Yes | Yes | Foreign national and ITIN specialist — publishes baseline rates publicly |
| Kiavi | $13B+ | National | 1.0 | N/A | 80% | — | Yes | No | Strongest investor-lender brand — 100,000+ projects funded |
| LendingOne | — | National | 0.75 | N/A | 80% | — | Yes | Limited | SFR rental DSCR plus bridge and new construction |
| Lima One Capital | — | 46 | 1.0 | N/A | 80% | — | No | Yes | Institutional scale — DSCR, bridge, and rental portfolio programs |
| New Silver | — | National | 0.75 | N/A | 80% | — | Yes | No | Tech-forward instant online application |
| Ridge Street Capital | — | National | 1.0 | N/A | 80% | — | No | Limited | Daily rate-sheet updates; niche entity structures (series LLC, TBD) |
| Visio Lending | $4B+ | 38 | Low/No DSCR | 680 | 80% | — | Yes | No | Fastest 30-day cash-out seasoning in market; LLC-only program |
A&D Mortgage
Jumbo DSCR and non-QM — up to $5M with 85% LTV on strong profiles
Angel Oak Mortgage Solutions
Full non-QM menu — bank statement, ITIN, full doc, and DSCR
CoreVest Finance
Institutional DSCR plus portfolio and blanket loan strength
Defy Mortgage
Highest LTV in market for SFR purchases (85% at 740+ FICO)
DSCR.PRO
Tool-forward marketplace — ITIN and full foreign national programs
Easy Street Capital
Strategy-focused investor content (BRRRR, STR, mid-term rentals)
Griffin Funding
Widest product suite — interest-only, no-ratio, 6-month HELOANs, ARMs, state guides
HomeAbroad
Foreign national and ITIN specialist — publishes baseline rates publicly
Kiavi
Strongest investor-lender brand — 100,000+ projects funded
LendingOne
SFR rental DSCR plus bridge and new construction
Lima One Capital
Institutional scale — DSCR, bridge, and rental portfolio programs
New Silver
Tech-forward instant online application
Ridge Street Capital
Daily rate-sheet updates; niche entity structures (series LLC, TBD)
Visio Lending
Fastest 30-day cash-out seasoning in market; LLC-only program
Each lender's public website, product sheets, program matrix, published calculators, and (where available) broker-facing rate sheets. We do not accept paid placement.
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.
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.
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.
Each card summarizes the lender's positioning, what they're best for, and honest strengths and weaknesses we've observed.
Jumbo DSCR and non-QM — up to $5M with 85% LTV on strong profiles
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.
Full non-QM menu — bank statement, ITIN, full doc, and DSCR
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.
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.
Institutional DSCR plus portfolio and blanket loan strength
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.
Highest LTV in market for SFR purchases (85% at 740+ FICO)
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.
Tool-forward marketplace — ITIN and full foreign national programs
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.
Strategy-focused investor content (BRRRR, STR, mid-term rentals)
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.
Widest product suite — interest-only, no-ratio, 6-month HELOANs, ARMs, state guides
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.
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.
Foreign national and ITIN specialist — publishes baseline rates publicly
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).
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.
Strongest investor-lender brand — 100,000+ projects funded
Largest investor lender by volume with an embedded DSCR calculator and polished UX. Pricing and exact terms remain opaque until application.
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.
SFR rental DSCR plus bridge and new construction
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.
Institutional scale — DSCR, bridge, and rental portfolio programs
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.
Tech-forward instant online application
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.
Daily rate-sheet updates; niche entity structures (series LLC, TBD)
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.
Fastest 30-day cash-out seasoning in market; LLC-only program
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.
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.
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.
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.