Asset Based Lending vs Defy Mortgage
Rates as of June 19, 2026Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, Asset Based Lending wins more scenarios (24 of 24).
Asset Based Lending
24 scenarios lowest
- Min DSCR
- 1
- Max LTV
- 80%
- Min FICO
- 660
Which should you choose?
Across the 24 scenarios where both price, Asset Based Lending shows the lower estimated rate in 24 of them. But the cheaper option flips by borrower profile:
- Asset Based Lending stretches furthest ahead on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.21% vs 6.46%.
- Defy Mortgage is strongest on Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR — 6.46% vs 6.21%.
On program terms, Asset Based Lending allows up to 80% LTV, DSCR from 1, 660+ FICO, loans $85,000–$2,500,000; Defy Mortgage allows up to 85% LTV, DSCR from 0.75, 640+ FICO, loans $75,000–$3,000,000.
Bottom line: Asset Based Lending is best for investors who want a competitive headline rate with rate-lock certainty. Defy Mortgage is best for high-leverage single-family purchases by strong-credit borrowers.
Rate by scenario, side by side
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.