Small-balance DSCR loans
Most lenders set a floor that rules out lower-priced rentals. These lenders fund small-balance deals — loan minimums of $75k or less — so a $90k cash-flowing rental in an affordable market still pencils.
Lenders offering small-balance 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 |
|---|---|---|---|---|
| RCN CapitalLowest | 5.585% | 4.23 + 0.98 + 0.375 | $1,719 | View lender → |
| Easy Street Capitaldated | 6.085% | 4.23 + 1.48 + 0.375 | $1,815 | View lender → |
| Kiavi | 6.210% | 4.23 + 1.60 + 0.375 | $1,839 | View lender → |
| Defy Mortgage | 6.460% | 4.23 + 1.85 + 0.375 | $1,888 | View lender → |
| OfferMarketdated | 6.585% | 4.23 + 1.98 + 0.375 | $1,913 | View lender → |
FAQ
- Which lenders offer small-balance dscr loans?
- Defy Mortgage, Easy Street Capital, Kiavi, OfferMarket, RCN Capital — each offers minimum loan amounts of $75k or less. On a benchmark profile, estimates start around 5.58%.
- Does small-balance 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.