DSCR loans for lower credit
A weaker credit score raises your DSCR rate but doesn’t have to disqualify you. These lenders accept a 640-or-lower minimum (one goes to 600) or skip the hard credit pull entirely — the realistic shortlist for lower-FICO investors.
Lenders offering dscr loans for lower credit
Estimated at our benchmark scenario (75% LTV, 740 FICO, 1.25 DSCR, SFR), sorted lowest first.
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| Easy Street CapitalLowestdated | 6.085% | 4.23 + 1.48 + 0.375 | $1,815 | View lender → |
| Defy Mortgage | 6.460% | 4.23 + 1.85 + 0.375 | $1,888 | View lender → |
| Stratton Equities | 6.835% | 4.23 + 2.23 + 0.375 | $1,963 | View lender → |
FAQ
- Which lenders offer dscr loans for lower credit?
- Defy Mortgage, Easy Street Capital, Stratton Equities — each offers a minimum credit score of 640 or lower (or no hard pull). On a benchmark profile, estimates start around 6.08%.
- Does for lower credit cost more?
- Usually a small rate add-on — it widens who qualifies rather than lowering the floor. The table prices every lender the same way so you can weigh the trade-off, and the figures are estimates, not quotes.
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.