DSCR Rate Index — November 2026
The DSCR Rate Index is a downloadable CSV of our blended multi-lender DSCR loan rate grids — the same baselines published on /rates/. As of November 8, 2026, 30-year fixed DSCR rates for a clean LLC-vested 1–4 unit rental run 6.75%–7.625%; the standard 720 FICO / 75% LTV / 1.00–1.24 DSCR anchor sits near 7.00%.
The DSCR Rate Index is a downloadable CSV of our blended multi-lender DSCR loan rate grids — the same baselines published on /rates/. As of November 8, 2026, 30-year fixed DSCR rates for a clean LLC-vested 1–4 unit rental run 6.75%–7.625%; the standard 720 FICO / 75% LTV / 1.00–1.24 DSCR anchor sits near 7.00%.
Download the CSV
180 rows. Products (the CSV's product column): 30-yr fixed (DSCR bands 1.25+, 1.00-1.24, 0.75-0.99), 5/1 ARM, 7/1 ARM, and 30-yr fixed IO. Columns: as_of, month, product, dscr_band, credit_tier, ltv_pct, rate_pct, methodology, source_url.
| Credit tier | 75% LTV · DSCR 1.00–1.24 | 75% LTV · DSCR 1.25+ |
|---|---|---|
| 740+ | 6.875% | 6.75% |
| 720-739 | 7.00% | 6.875% |
| 700-719 | 7.125% | 7.00% |
| 680-699 | 7.25% | 7.125% |
| 660-679 | 7.50% | 7.375% |
| 620-659 | 7.625% | 7.625% |
Methodology
These tables are as of the date above. They are not a live feed and are not refreshed every Monday. We blend broker-facing rate sheets from our active DSCR lender network, strip per-lender margin and state adjusters, and publish the median for a clean scenario: LLC-vested, 1–4 unit rental, ~1 point buydown, 5-year step-down prepay, 30–60 day lock. Individual lender quotes will be ±0.25% of these tables.
This index is not a lockable quote. For a real number, use Get Matched or the grids on DSCR loan rates today.
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