PIR

Defy Mortgage vs LendingOne

Rates as of June 17, 2026

Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, LendingOne wins more scenarios (24 of 24).

Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.

Defy Mortgage

0 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full Defy Mortgage profile →

LendingOne

24 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full LendingOne profile →

Rate by scenario, side by side

ScenarioDefy MortgageLendingOneLower
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR7.275%7.025%LendingOne
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR8.025%7.775%LendingOne
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR7.025%6.775%LendingOne
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo8.275%8.150%LendingOne
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR6.900%6.650%LendingOne
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit7.900%7.650%LendingOne
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay8.025%7.775%LendingOne
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR8.900%8.650%LendingOne
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR7.400%7.150%LendingOne
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)8.400%8.150%LendingOne
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit8.025%7.775%LendingOne
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo7.275%7.150%LendingOne
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo7.150%6.775%LendingOne
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR8.775%8.525%LendingOne
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance8.400%8.150%LendingOne
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR7.275%7.025%LendingOne
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay7.650%7.525%LendingOne
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR7.775%7.525%LendingOne
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit8.025%7.775%LendingOne
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+7.275%6.900%LendingOne
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR8.525%8.275%LendingOne
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo7.275%7.150%LendingOne
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay7.900%7.650%LendingOne
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo8.650%8.525%LendingOne

Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.

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