No-ratio & low-DSCR loans
When a property doesn’t cover its own payment (DSCR below 1.0), most lenders pass. A handful allow “no-ratio” or sub-1.0 coverage — usually with a bit more down or a small rate add-on. These are the lenders that will still lend.
Lenders offering no-ratio & low-dscr loans
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 |
|---|---|---|---|---|
| Park Place FinanceLowest | 6.085% | 4.23 + 1.48 + 0.375 | $1,815 | View lender → |
| Easy Street CapitalLowestdated | 6.085% | 4.23 + 1.48 + 0.375 | $1,815 | View lender → |
| New Silver | 6.335% | 4.23 + 1.73 + 0.375 | $1,864 | View lender → |
| Griffin Funding | 6.460% | 4.23 + 1.85 + 0.375 | $1,888 | View lender → |
| Defy Mortgage | 6.460% | 4.23 + 1.85 + 0.375 | $1,888 | View lender → |
| HomeAbroad | 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 no-ratio & low-dscr loans?
- Defy Mortgage, Easy Street Capital, Griffin Funding, HomeAbroad, New Silver, Park Place Finance, Stratton Equities — each offers no minimum DSCR, or coverage as low as 0.75. On a benchmark profile, estimates start around 6.08%.
- Does no-ratio & low-dscr loans 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.