PIR

DSCR & investor-rental lenders

12lenders compared on estimated rates, loan limits, and program terms. Estimated rates start from each lender’s lowest-priced scenario.

Rates as of June 17, 2026
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.

Angel Oak Mortgage Solutions

6.90%

Leading non-QM wholesale lender; Investor Cash Flow (DSCR) program.

Min DSCR
1
Max LTV
80%
Min FICO
680

Loans $100,000–$3,500,000 · Nationwide

Defy Mortgage

6.90%

Non-QM + investor lending; DSCR, bank-statement, foreign national.

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $75,000–$3,000,000 · Nationwide

Easy Street Capital

6.90%

DSCR down to 0.75 coverage; flexible investor programs. Known referral program.

Min DSCR
0.75
Max LTV
80%
Min FICO
640

Loans $50,000–$2,000,000 · Nationwide

Griffin Funding

6.78%

Direct lender; DSCR loans with no income verification, down to 0.75.

Min DSCR
0.75
Max LTV
80%
Min FICO
660

Loans $100,000–$5,000,000 · Nationwide

HomeAbroad

7.15%

DSCR loans for foreign nationals + US investors; no US-credit-required options.

Min DSCR
1
Max LTV
75%
Min FICO
660

Loans $100,000–$2,500,000 · Nationwide

Kiavi

6.40%

High-volume tech-forward investor lender; SFR rental + bridge. Wholesale + direct.

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $75,000–$3,000,000 · Nationwide

LendingOne

6.65%

Direct private lender for real-estate investors; rental + fix/flip + new-construction.

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $75,000–$5,000,000 · Nationwide

Lima One Capital

6.65%

National business-purpose lender; rental (DSCR), fix-and-flip, multifamily.

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $75,000–$2,500,000 · Nationwide

New Silver

7.03%

Fintech investor lender; instant DSCR rental loan quotes, fix-and-flip.

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $50,000–$2,000,000 · Nationwide

OfferMarket

6.78%

Investor marketplace + DSCR/hard-money lending; transparent pricing ethos.

Min DSCR
1
Max LTV
80%
Min FICO
680

Loans $75,000–$2,000,000 · Nationwide

RCN Capital

6.65%

Nationwide private lender; long-term rental + bridge. Broker/referral program (up to ~50 bps).

Min DSCR
1
Max LTV
80%
Min FICO
660

Loans $75,000–$3,000,000 · Nationwide

Visio Lending

6.78%

Dedicated rental-loan (DSCR) specialist; 30-yr fixed investor product.

Min DSCR
1
Max LTV
80%
Min FICO
680

Loans $75,000–$2,000,000 · Nationwide

From lowest priced scenario per lender. Estimates, not quotes — see methodology.