DSCR Lenders
Debt service coverage ratio (DSCR) financing evaluates a rental property’s income against its debt obligations. Lenders use different calculations and may also consider credit, reserves, property condition, and borrower experience. Ask each lender which income and expense figures it uses.
Browse lender profiles for locations, reported loan sizes, and any available reviews. Verification badges and ratings appear only where applicable. A directory profile is a starting point for comparison, not a quote or a guarantee of eligibility.
Request written terms for the same property and loan amount. Compare the rate, fees, appraisal rules, rate-lock period, cash requirements, maturity, and any prepayment charge. Ask whether the lender permits your intended ownership structure and how it handles a low valuation.
Check the final loan documents against the offer before signing. If your exit depends on a sale or refinance, model how a prepayment charge or changed valuation would affect the result.
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Frequently asked questions
What is a DSCR loan?
A DSCR loan uses rental property income relative to debt obligations as an important underwriting measure. Lenders can also require credit, reserves, property, and borrower documentation.
What DSCR ratio do lenders require?
The threshold and calculation vary by lender and program. Ask whether the lender uses actual or projected rent, which expenses it includes, and what other eligibility rules apply.
Do DSCR loans have prepayment penalties?
Some DSCR loans include a prepayment charge. Ask for the exact schedule and calculation in writing, and include that cost in your sale or refinance plan.
How do I choose between DSCR lenders with similar rates?
Compare written offers for fees, cash required, appraisal rules, rate-lock terms, prepayment charges, and closing conditions. Read any available reviews and ask recent borrowers for references.
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