Last reviewed May 20, 2026
DSCR Loan Rates Today — May 2026
Current DSCR loan rates by credit tier, LTV, and DSCR ratio — for 30-year fixed, 5/1 ARM, 7/1 ARM, and interest-only variants. Rates refresh every Monday from our DSCR lender network's broker rate sheets.
These are blended market baselines for an LLC-vested DSCR loan on a 1-4 unit rental. Your real quote depends on state, property type, loan size, prepay structure, and points. Want a lockable number? Get matched with the top 3 offers .
30-year fixed DSCR rates
The most common DSCR product. Rates shown are baseline note rates — not APR — and assume 1-point buydown baked in.
DSCR 1.25+ (best pricing)
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.375% | 6.50% | 6.625% | 6.75% | 7.00% |
| 720-739 | 6.50% | 6.625% | 6.75% | 6.875% | 7.125% |
| 700-719 | 6.625% | 6.75% | 6.875% | 7.00% | 7.25% |
| 680-699 | 6.75% | 6.875% | 7.00% | 7.125% | 7.375% |
| 660-679 | 7.00% | 7.125% | 7.25% | 7.375% | 7.50% |
| 620-659 | 7.25% | 7.375% | 7.50% | 7.625% | 7.625% |
DSCR 1.00-1.24
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.50% | 6.625% | 6.75% | 6.875% | 7.125% |
| 720-739 | 6.625% | 6.75% | 6.875% | 7.00% | 7.25% |
| 700-719 | 6.75% | 6.875% | 7.00% | 7.125% | 7.375% |
| 680-699 | 6.875% | 7.00% | 7.125% | 7.25% | 7.50% |
| 660-679 | 7.125% | 7.25% | 7.375% | 7.50% | 7.625% |
| 620-659 | 7.375% | 7.50% | 7.625% | 7.625% | 7.625% |
DSCR 0.75-0.99
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.75% | 6.875% | 7.00% | 7.125% | 7.375% |
| 720-739 | 6.875% | 7.00% | 7.125% | 7.25% | 7.50% |
| 700-719 | 7.00% | 7.125% | 7.25% | 7.375% | 7.625% |
| 680-699 | 7.125% | 7.25% | 7.375% | 7.50% | 7.625% |
| 660-679 | 7.375% | 7.50% | 7.625% | 7.625% | 7.625% |
| 620-659 | 7.50% | 7.625% | 7.625% | 7.625% | 7.625% |
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5/1 ARM DSCR rates
Fixed for 60 months, then adjusts annually. Typically 0.375% lower than 30-year fixed in the current environment. Shown at DSCR 1.00-1.24.
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.125% | 6.25% | 6.375% | 6.50% | 6.75% |
| 720-739 | 6.25% | 6.375% | 6.50% | 6.625% | 6.875% |
| 700-719 | 6.375% | 6.50% | 6.625% | 6.75% | 7.00% |
| 680-699 | 6.50% | 6.625% | 6.75% | 6.875% | 7.125% |
| 660-679 | 6.75% | 6.875% | 7.00% | 7.125% | 7.25% |
| 620-659 | 7.00% | 7.125% | 7.25% | 7.25% | 7.25% |
7/1 ARM DSCR rates
Fixed for 84 months, then adjusts annually. Typically 0.25% below 30-year fixed. Most popular middle-ground for investors planning a 5-8 year hold.
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.25% | 6.375% | 6.50% | 6.625% | 6.875% |
| 720-739 | 6.375% | 6.50% | 6.625% | 6.75% | 7.00% |
| 700-719 | 6.50% | 6.625% | 6.75% | 6.875% | 7.125% |
| 680-699 | 6.625% | 6.75% | 6.875% | 7.00% | 7.25% |
| 660-679 | 6.875% | 7.00% | 7.125% | 7.25% | 7.375% |
| 620-659 | 7.125% | 7.25% | 7.375% | 7.375% | 7.375% |
Interest-only DSCR rates (10-year IO / 30-year term)
10 years of interest-only payments, then P&I for years 11-30. Typically +0.25% over comparable 30-year fixed. Useful when first-year cash flow needs to cover debt service during rent ramp-up.
| Credit tier | 60% LTV | 65% LTV | 70% LTV | 75% LTV | 80% LTV |
|---|---|---|---|---|---|
| 740+ | 6.75% | 6.875% | 7.00% | 7.125% | 7.375% |
| 720-739 | 6.875% | 7.00% | 7.125% | 7.25% | 7.50% |
| 700-719 | 7.00% | 7.125% | 7.25% | 7.375% | 7.625% |
| 680-699 | 7.125% | 7.25% | 7.375% | 7.50% | 7.75% |
| 660-679 | 7.375% | 7.50% | 7.625% | 7.75% | 7.875% |
| 620-659 | 7.625% | 7.75% | 7.875% | 7.875% | 7.875% |
Rate methodology
Every Monday we pull broker-facing rate sheets from the DSCR lenders in our active network, strip out per-lender margin and state adjusters, and publish the blended median for a clean scenario: LLC-vested, 1-4 unit rental, no points beyond a 1-point buydown, 5-year step-down prepay, 60-day lock.
Individual lender rates on any given day will be ±0.25% of these tables. Some lenders will be materially higher on credit below 680; others will be lower on deals above 720. The value of these tables is as a sanity check — if a lender quotes you +0.75% over this table, there's either a deal-specific adjuster (state, prepay, property type) or a better price somewhere else.
We do not accept paid placement. No lender pays to be included or to nudge their numbers lower on this page.
What drives DSCR rates
- Credit (FICO): The biggest single driver. Each 20-point FICO band is typically worth 0.125%-0.25%.
- LTV: Each 5% LTV step adds about 0.125%. Going above 75% LTV is where most lenders start adding meaningful bumps.
- DSCR ratio: A DSCR above 1.25 earns the best tier. Between 1.00 and 1.24 is standard. Below 1.00 (including no-ratio) adds 0.25%-0.50%.
- Property type: 1-unit SFR is the base. 2-4 unit adds 0-0.25%. Condo adds 0.125%-0.25%. Non-warrantable condo and short-term rental add more.
- State: Judicial foreclosure states and high-cost-to-lender states (NY, NJ, IL, and occasionally FL on some sheets) carry adjusters of 0.125%-0.25%.
- Loan amount: Below $150K and above $2M both add premium. The sweet spot is $200K-$1.5M.
- Prepayment penalty: Choosing a 5-year step-down earns the best rate. Shorter or no prepay adds 0.25%-0.50%. See the prepayment penalties guide .
Historical trend: Q1 2025 → Q1 2026
DSCR rates entered 2025 in the 7.75%-8.25% range at our 720/75/1.10 anchor, tracked the broader rate environment lower through the summer, and settled near 7.00% entering Q4 2025. Q1 2026 saw further compression as agency MBS spreads tightened and non-QM investor appetite returned; the current 720/75/1.10 anchor sits at 6.75%. Near-term direction is range-bound: we expect baseline pricing to stay between 6.50% and 7.00% through H1 2026 absent a macro shock.
Investment property mortgage rates — DSCR vs conventional
"Investment property mortgage rates" searches often compare agency conventional pricing to non-QM DSCR. As of May 2026, the typical spread is 0.5%–1.0% above owner-occupied conventional — and DSCR runs roughly 0.5%–1.0% above conventional investment property for the same credit profile.
| Product | 720 FICO / 75% LTV anchor | Qualification basis |
|---|---|---|
| Owner-occupied conventional | ~5.75%–6.25% | Personal income + DTI |
| Conventional investment property | ~6.25%–6.75% | Income + DTI + 15–25% down |
| DSCR (this page's tables) | 7.00% | Property rent / PITIA — no personal income |
When DSCR prices below conventional investment: Strong profiles (740+ FICO, 75% LTV or lower, 1.25+ DSCR, SFR in a competitive lender state) sometimes land within 0.25% of conventional investment pricing when lenders compete on broker volume. Conventional still wins on absolute rate when you qualify — DSCR wins on documentation flexibility and unlimited financed-property count. Compare in our DSCR vs conventional guide or investment property loans hub .
Frequently asked questions
How current are these rates?
Are these real quotes I can lock?
Why are DSCR rates higher than conventional Fannie/Freddie rates?
What's the typical rate difference between fixed and ARM?
How much does interest-only add to the rate?
Can I lock a DSCR rate?
Do DSCR rates change by state?
Are DSCR loans 20% down?
What is a good DSCR interest rate?
What is the current rate for DSCR loans?
What about prepayment penalties?
Turn a table rate into a locked rate
The tables above are a sanity check. Tell us about your deal once — we'll shop 1,000+ lenders and send your top 3 offers within one hour.
Soft match — no credit pull, no spam. Your info stays with licensed brokers only.