How we compute DSCR loan rates

Every rate on this site is computed the same way for every lender, so the comparison is apples-to-apples. We never republish a lender’s marketing rate.

estimated rate = base index + lender par spread + Σ adjustments

1. Base index

We pull a public benchmark rate daily (the 5-year U.S. Treasury). Today’s value: 4.150% (as of 2026-06-17). DSCR lenders price off short-to-mid Treasuries plus a spread.

2. Lender par spread

Each lender’s margin over the index for a baseline borrower. Across the 12 lenders we track, par spreads currently range from 2.875% to 3.500%.

3. Adjustment grid (LLPAs)

Lenders add or subtract from the par rate based on risk. We model six dimensions, summed for any scenario:

Credit score band (FICO)
Loan-to-value (LTV)
Debt-service coverage ratio (DSCR)
Loan size band
Property type (SFR / condo / 2–4 unit)
Prepayment structure

We score 24 canonical scenarios per lender plus a free-form calculator.

Data sources & honesty

DSCR rate sheets are broker-gated, not publicly posted. Where we have a verifiedsheet (broker access or direct lender feed), rates are real and the page is indexed. Where we don’t yet, we show a clearly-labeled illustrative sample grid so you can see how the comparison works — and those pages are not indexedby search engines and never presented as live quotes. We’d rather show you the machine honestly than fake a number.

Freshness

The base index refreshes every business day; rate sheets refresh as lenders update them. Every page carries a “rates as of” date so you always know how current the numbers are.

Estimates are not quotes or offers. We are not a lender or mortgage broker. We may earn a referral fee on a funded loan.