PIR

Defy Mortgage DSCR loan rates

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

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.
Est. rate range
6.90%
to 8.90%
Min DSCR
1
Max LTV
80%
Min FICO
660
Loans $75,000–$3,000,000 · Lends nationwide · Visit Defy Mortgage →

Estimated rate by borrower scenario

ScenarioEst. RateMonthly P&I
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR6.900%$4,610compare all →
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR7.025%$2,001compare all →
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo7.150%$8,780compare all →
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR7.275%$2,052compare all →
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo7.275%$2,052compare all →
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR7.275%$4,787compare all →
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+7.275%$8,206compare all →
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo7.275%$1,915compare all →
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR7.400%$2,216compare all →
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay7.650%$1,987compare all →
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR7.775%$2,154compare all →
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit7.900%$4,361compare all →
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay7.900%$2,180compare all →
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR8.025%$2,207compare all →
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay8.025%$2,207compare all →
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit8.025%$4,781compare all →
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit8.025%$4,560compare all →
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo8.275%$2,108compare all →
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)8.400%$2,286compare all →
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance8.400%$914compare all →
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR8.525%$2,312compare all →
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo8.650%$2,027compare all →
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR8.775%$2,208compare all →
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR8.900%$2,233compare all →

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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Explore by scenario

Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFRPurchase · 80% LTV · 720 FICO · 1.10 DSCR · SFRCash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFRPurchase · 75% LTV · 700 FICO · 1.00 DSCR · CondoPurchase · 65% LTV · 780 FICO · 1.50 DSCR · SFRCash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 UnitPurchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No PrepayPurchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR