DSCR loan rates are personal to the property and the file.
There is no honest one-number answer. Pricing changes with the market and with credit, LTV, DSCR, property, loan structure, state, and prepayment options.
DSCR loan rates are generally priced from an investor rate sheet rather than a single public mortgage rate. The same property can price differently depending on the requested leverage, borrower credit tier, ratio, loan size, property type, state, prepayment structure, interest-only option, and other file details.
Best practice: request a scenario-specific term sheet. Static web rates can age quickly and may exclude points, fees, prepayment options, or file-level adjustments.
The factors that move DSCR pricing
| Factor | Typical pricing effect | What the Guru collects |
|---|---|---|
| Credit tier | Stronger credit can improve rate and leverage options | Estimated credit range; formal credit only with later authorization |
| LTV | Lower leverage often improves pricing and program access | Value or price, requested loan, down payment, payoff, cash-out |
| DSCR | Stronger coverage can improve eligible pricing tiers | Monthly rent plus taxes, insurance, HOA, and loan structure |
| Property type | Condos, STRs, multifamily, or unique properties may carry adjustments | Property category, occupancy, rent support, and address |
| Loan structure | Fixed, ARM, interest-only, amortization, and prepay options can change price | Loan goal; discuss structure preferences with the lending team |
| Loan amount and state | Balance bands and state rules can affect available investors and costs | Requested amount and property location |
Rate versus total structure
The lowest note rate is not always the best investor outcome. Compare rate, points, lender fees, prepayment period, interest-only term, amortization, recourse or guaranty requirements, reserve requirements, cash to close, and the expected holding period. An investor planning to sell or refinance quickly may value prepayment flexibility differently from an investor holding for ten years.
Why we do not publish a teaser table
A teaser table can imply that a rate is available without the necessary assumptions. DSCRLoanGuru.com instead collects the deal variables and prepares a human-reviewed term-sheet request. Any rate or payment provided later must be tied to the actual file assumptions, date, program, and required disclosures.
How to improve the quote quality
- Use a realistic value or signed purchase price.
- Enter the actual requested loan amount rather than only the maximum possible loan.
- Provide a reasonable rent source and monthly amount.
- Include current payoff and requested proceeds for cash-out.
- Choose the closest credit range and accurate property type.
- Identify whether a shorter or no-prepayment option is important.
Your next move
Price the real deal—not a generic rate ad.
Submit the property, leverage, rent, and credit range so the investor desk can build a scenario-specific term sheet.