Best DSCR lenders, transparently scored
We rank the 14 DSCR lenders with live pricing by a single PIR Score(0–100), computed only from each lender’s own published terms — its benchmark estimated rate, max LTV, DSCR flexibility, credit floor, and loan-range breadth. This is a data-driven score, not a pay-to-play opinion piece and not ordered by who pays us. The weights are disclosed below and the score refreshes as rates do.
Ranked by PIR Score
Benchmark scenario: 75% LTV, 740 FICO, 1.25 DSCR, single-family. The PIR Score is a composite of published terms — shown in a neutral color because it’s a ranking, not a rate.
| # | Lender | PIR Score | Est. Rate | Max LTV | Min FICO | Min DSCR | Loan range | |
|---|---|---|---|---|---|---|---|---|
| 1 | Park Place FinanceTop score | 64 | 6.08% | 85% | 660 | 0.75 | $100,000–$5,000,000 | View → |
| 2 | Easy Street Capital | 58 | 6.08% | 80% | 640 | 0.75 | $50,000–$3,500,000 | View → |
| 3 | Defy Mortgage | 52 | 6.46% | 85% | 640 | 0.75 | $75,000–$3,000,000 | View → |
| 4 | RCN Capital | 51 | 5.58% | 80% | 660 | 1 | $70,000–$1,500,000 | View → |
| 5 | Stratton Equities | 51 | 6.83% | 85% | 600 | none | $100,000–$5,000,000 | View → |
| 6 | Kiavi | 46 | 6.21% | 80% | 660 | 0.8 | $75,000–$3,000,000 | View → |
| 7 | HomeAbroad | 46 | 6.46% | 75% | 660 | 0.75 | $100,000–$10,000,000 | View → |
| 8 | New Silver | 45 | 6.33% | 80% | 660 | 0.75 | $150,000–$3,000,000 | View → |
| 9 | Griffin Funding | 43 | 6.46% | 80% | 660 | 0.75 | $100,000–$4,000,000 | View → |
| 10 | America Mortgages | 37 | 6.46% | 80% | 620 | 1 | $100,000–$5,000,000 | View → |
| 11 | Asset Based Lending | 33 | 6.21% | 80% | 660 | 1 | $85,000–$2,500,000 | View → |
| 12 | Lima One Capital | 29 | 6.33% | 80% | 660 | 1 | $85,000–$2,500,000 | View → |
| 13 | Ridge Street Capital | 28 | 6.33% | 80% | 660 | 1 | $55,000–$2,000,000 | View → |
| 14 | OfferMarket | 16 | 6.58% | 80% | 680 | 1 | $55,000–$2,000,000 | View → |
How we score
The PIR Score is a weighted blend of five normalized sub-scores. Each is computed from the lender’s own published data and normalized across the set (best in each dimension = 100). There is no pay-to-play: paying us cannot move the score, and it re-computes whenever rates refresh.
- 40%
- Benchmark rate. The lender’s estimated rate on our benchmark profile (75% LTV, 740 FICO, 1.25 DSCR, single-family). The lowest rate in the set scores 100, the highest scores 0.
- 15%
- Max LTV. The highest loan-to-value the lender allows — more leverage means less cash down. The highest max LTV in the set scores 100.
- 15%
- DSCR flexibility. How thin a property’s cash-flow coverage the lender will accept. No minimum DSCR scores 100; otherwise the lowest minimum in the set scores 100.
- 15%
- Credit accessibility. The minimum credit score. No hard credit pull scores 100; otherwise the lowest minimum FICO in the set scores 100.
- 15%
- Loan-range breadth. The spread between the lender’s minimum and maximum loan amount — a wider range fits more deals. The widest range in the set scores 100.
The benchmark rate is an estimate (see the disclaimer below); every other input is a published program term. A high score is not an endorsement — it reflects measured terms, not deal-specific underwriting.
More lenders we track
We also track these established investor lenders but haven’t yet verified their current DSCR pricing — so we show their published program terms only. Live pricing not yet published — not scored.
Leading non-QM wholesale lender; Investor Cash Flow (DSCR) program.
- Max LTV
- 80%
- Min FICO
- 680
- Min DSCR
- 1
Loans $100,000–$3,500,000
Direct private lender for real-estate investors; rental + fix/flip + new-construction.
- Max LTV
- 80%
- Min FICO
- 660
- Min DSCR
- 1
Loans $75,000–$5,000,000
Dedicated rental-loan (DSCR) specialist; 30-yr fixed investor product.
- Max LTV
- 80%
- Min FICO
- 680
- Min DSCR
- 1
Loans $75,000–$2,000,000
FAQ
- How are DSCR lenders ranked here?
- Each lender gets a PIR Score from 0–100, computed only from objective published data: 40% from its estimated rate on our benchmark profile (75% LTV, 740 FICO, 1.25 DSCR, single-family), then 15% each for maximum LTV, DSCR flexibility, credit accessibility, and loan-range breadth. Every figure comes from the lender’s own advertised terms, normalized across the set, and updates as rates refresh.
- Who is the best DSCR lender?
- By our composite score, Park Place Finance ranks highest right now — but “best” depends on your profile. A lender that wins on rate may not be the one that allows your leverage, accepts your credit, or takes thin cash-flow coverage. Flexibility matters as much as the headline rate, so read the sub-scores, not just the rank.
- Do you get paid to rank lenders?
- No. The PIR Score is computed purely from each lender’s published data — paying us cannot change it, and we don’t accept payment for placement. We may earn a referral fee if you fund a loan with a partner lender, but that fee never affects the score or the order.
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.