Rates updated August 18, 2026

Last reviewed August 27, 2026

DSCR Loan Rates Today [August 2026]

DSCR loan rates are the interest rates on investment-property mortgages underwritten on the property's rental income (DSCR = rent ÷ PITIA), not the borrower's personal income. As of August 18, 2026, a standard file (720 FICO, 75% LTV, 1.00–1.24 DSCR) anchors near 6.75% on a 30-year fixed; top-tier files (740+ FICO, 1.25+ DSCR) start around 6.125%–6.50%. Tables below show blended multi-lender baselines (typically ~1 point) by credit tier, LTV, and DSCR ratio — refreshed every Monday from our DSCR lender network's broker rate sheets. Single-lender “par / 0-point” marketing quotes can print lower; lockable pricing still depends on the full file.

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.

Investment property mortgage rates vs DSCR loan rates

Searchers looking for investment property mortgage rates usually mean one of three products: conventional investment (agency or bank, 0.50%–1.00% above owner-occupied), DSCR (property-cash-flow underwriting — the tables on this page), or other non-QM (bank statement, asset-depletion). In August 2026 a clean 740+ / 75% LTV DSCR file can price inside that conventional investment premium while skipping personal tax returns. Use investment property loans for the decision tree and stay here for the live DSCR grid.

Current DSCR loan rates — quick answer (August 2026)

Sub-1.0 DSCR and 680 FICO scenarios run ~6.875%–7.375%. Profile ranges in the table below — not lockable quotes.

Investor profile	30-yr fixed range	Typical use
Best tier — 740+ FICO, 1.25+ DSCR, 75% LTV	6.125%–6.625%	Stabilized SFR, strong cash flow
Standard — 720 FICO, 1.0–1.24 DSCR, 75% LTV	6.625%–7.00%	Most common DSCR purchase/refi
Sub-1.0 DSCR or 680 FICO	6.875%–7.375%	Thin cash flow, credit haircuts
5/1 ARM (standard tier)	~0.375% below fixed	5–7 year hold strategies
10-year interest-only add	+0.25% vs P&I fixed	Rent ramp-up, cash-flow sensitive deals

Full grids by credit tier and LTV appear below. For US multifamily (5+ units), see Multi-Family USA. For broker matching across the 14 national programs we compare, use our free Get Matched flow — no credit pull. Need DSCR in Canada? Canadian investor DSCR on LendCity.

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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+	6.125%	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%	7.375%	7.375%

DSCR 1.00-1.24

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%

DSCR 0.75-0.99

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%	7.375%
660-679	7.125%	7.25%	7.375%	7.375%	7.375%
620-659	7.25%	7.375%	7.375%	7.375%	7.375%

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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+	5.875%	6.00%	6.125%	6.25%	6.50%
720-739	6.00%	6.125%	6.25%	6.375%	6.625%
700-719	6.125%	6.25%	6.375%	6.50%	6.75%
680-699	6.25%	6.375%	6.50%	6.625%	6.875%
660-679	6.50%	6.625%	6.75%	6.875%	7.00%
620-659	6.75%	6.875%	7.00%	7.00%	7.00%

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+	6.00%	6.125%	6.25%	6.375%	6.625%
720-739	6.125%	6.25%	6.375%	6.50%	6.75%
700-719	6.25%	6.375%	6.50%	6.625%	6.875%
680-699	6.375%	6.50%	6.625%	6.75%	7.00%
660-679	6.625%	6.75%	6.875%	7.00%	7.125%
620-659	6.875%	7.00%	7.125%	7.125%	7.125%

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+	6.50%	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%

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. H1–mid 2026 saw further compression as agency MBS spreads tightened and non-QM investor appetite returned; the current 720/75/1.00–1.24 anchor sits near 6.75%. Official owner-occupied benchmarks are not DSCR quotes: Freddie Mac's Primary Mortgage Market Survey (PMMS) 30-year fixed averaged 6.65% for the week of August 20, 2026 (down from 6.67% the prior week). The same weekly series is published as FRED MORTGAGE30US. Fannie Mae's Selling Guide B2-2-03 caps DU second-home and investment loans at 10 financed properties — DSCR loans are non-QM and do not count against that cap. Near-term DSCR direction is range-bound: we expect baseline pricing to stay between roughly 6.25% and 7.00% through H2 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 August 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)	6.75%	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.

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DSCR vs Conventional Loan: The Investor's 2026 Decision Guide
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Frequently asked questions

How current are these rates?

Tables are refreshed every Monday using broker rate sheets from our DSCR lender network. This page was restated August 18, 2026; the underlying blended grid is unchanged from the July 11, 2026 sheet set (typical ±0.125% week to week). Treat any single number as a baseline, not a quote.

What are investment property mortgage rates vs DSCR rates?

Investment property mortgage rates is the broader search term. Conventional investment-property loans (Fannie/Freddie or bank portfolio) usually price about 0.50%–1.00% above owner-occupied conforming. DSCR loan rates sit in their own non-QM band — currently about 6.125%–7.375% on 30-year fixed in these tables. When a 740+ FICO / 75% LTV file prices DSCR inside that conventional investment premium, DSCR often wins on leverage and documentation, not just coupon.

Are these real quotes I can lock?

No. They are blended market rates for a clean, LLC-vested 30-year DSCR loan on a 1-4 unit rental. Your actual quote depends on the specific lender, property type, state, loan amount, prepayment-penalty structure, and points. For a real, lockable quote use our /get-matched flow.

Why are DSCR rates higher than conventional Fannie/Freddie rates?

DSCR loans are non-QM: they qualify the property, not the borrower's income. Lenders price in (a) no agency guarantee, (b) investor-occupancy premium, and (c) documentation flexibility. The spread to conventional conforming is typically 0.75%-1.5%.

What's the typical rate difference between fixed and ARM?

These tables price 5/1 ARMs 0.375% below the same-file 30-year fixed and 7/1 ARMs 0.25% below. That is the math in the grids on this page (August 2026), not a market-wide rule of thumb. Individual lenders can print a wider or tighter ARM gap when the yield curve moves.

How much does interest-only add to the rate?

These tables add 0.25% to the comparable 30-year fixed P&I rate for a 10-year interest-only feature. That +0.25% is the grid math on this page. IO still usually helps when cash-flow math depends on lower debt service during rent ramp-up.

Can I lock a DSCR rate?

Yes. Standard lock windows are 30, 45, and 60 days. Longer locks cost more (typically +0.125% for 60 days vs. 30). You generally lock after underwriting approves the file, not at application.

Do DSCR rates change by state?

Yes — moderately. High-foreclosure-cost states (NY, NJ, IL, FL on some sheets) often carry a 0.125%-0.25% adjuster, and rent-control states may see tighter LTVs rather than rate bumps. Our /states pages flag state-specific adjusters where they exist.

Are DSCR loans 20% down?

Most DSCR purchase loans require 20–25% down (75–80% LTV). Twenty percent down (80% LTV) is available at 740+ FICO with 1.0+ DSCR on standard single-family rentals. Weaker credit, sub-1.0 DSCR, condos, and STR properties typically need 25–35% down. See our down payment and LTV guide for the full grid.

What is a good DSCR interest rate?

As of August 18, 2026, a good DSCR rate for a clean file (740+ FICO, 75% LTV, 1.25+ DSCR) is roughly 6.125%–6.625% on a 30-year fixed (blended network baseline with ~1 point). Average files (720 FICO, 75% LTV, 1.00–1.24 DSCR) cluster near the 6.75% anchor. Anything more than 0.50% above these bands for the same profile usually means a deal-specific adjuster or a better quote exists elsewhere.

What is the current rate for DSCR loans?

As of the last table refresh on this page, the 720 FICO / 75% LTV / 1.00–1.24 DSCR anchor sits near 6.75% on a 30-year fixed. Top-tier files (740+, 1.25+ DSCR) start around 6.125%–6.50%. These are blended market baselines — your lockable quote depends on lender, state, property type, and prepay structure. Use Get Matched for a real number.

What about prepayment penalties?

Most DSCR loans come with a 3-5-year step-down prepay by default. Buying out the prepay typically adds 0.25%-0.5% to the rate. See our /learn/prepayment-penalties guide for the tradeoff math.

What are 30-year DSCR loan rates today?

As of August 18, 2026, 30-year fixed DSCR rates for a clean LLC-vested 1–4 unit rental typically run 6.125%–6.625% for top-tier files (740+ FICO, 1.25+ DSCR, 75% LTV) and near 6.75% for a standard 720 FICO / 1.00–1.24 DSCR / 75% LTV file. Sub-1.0 DSCR or 680 FICO files cluster closer to 6.875%–7.375%. See the live grids below.

Where can I find the lowest DSCR rates today?

Lowest published DSCR rates go to the strongest files: 740+ FICO, 1.25+ DSCR, ≤75% LTV, SFR (not condo/STR), and a standard 5-year step-down prepay. Shopping multiple lenders still matters — the same file can price 0.25%–0.50% apart across rate sheets. Use Get Matched to compare lockable quotes rather than chasing a single headline number.

How do DSCR refinance rates compare to purchase rates?

Rate-and-term DSCR refinance pricing is usually in the same band as purchase for a given credit/LTV/DSCR profile. Cash-out refis often price 0.125%–0.375% higher and carry tighter LTV caps. Existing prepayment penalties, not the note rate, are usually the bigger refinance cost. Model break-even before you lock.

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The tables above are a sanity check. Tell us about your deal once — we'll shop the DSCR market and send your top 3 offers within one hour.