“Top DSCR lenders” changes constantly. The most reliable way to get the best DSCR loans is to compare programs using a consistent scorecard and to pick partners that match your property type, timeline, and strategy.
Featured investor resources
Tip: Ask for a term sheet up front (rate, points, DSCR calc method, reserves, prepay, STR rules) so you can compare apples-to-apples.
What to compare (your DSCR scorecard)
- Minimum DSCR (and how they calculate it: PITIA, HOA, vacancy factor)
- LTV limits by property type (SFR, 2–4 unit, 5+ unit, short-term rental)
- Rate + points and whether pricing improves with higher DSCR / lower LTV
- Prepayment penalty options (none / 3-2-1 / 5-year, etc.)
- Seasoning requirements for cash-out refi (relevant for BRRRR)
- Appraisal / rent schedule requirements (in-place rent vs market vs appraiser rent schedule)
- Entity lending (LLC allowed? personal guarantee required?)
- Turn times (underwriting + closing speed)
Questions to ask on your first call
- “Is DSCR based on in-place rent, market rent, or an appraiser’s rent schedule?”
- “What DSCR do you need for my LTV and property type?”
- “Do you lend to LLCs, and what guarantees are required?”
- “Do you require reserves? How many months?”
- “What are the most common reasons files get kicked back?”