Best DSCR Lenders 2026
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times from the leading DSCR
lenders for real estate investors.
times from the leading DSCR
lenders for real estate investors.
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What is a DSCR Loan and Why Choose the Right Lender?
A DSCR (Debt Service Coverage Ratio) loan is a specialized mortgage product designed for real estate investors and rental property owners. Unlike traditional mortgages that rely heavily on personal income and tax returns, DSCR loans focus on the property's ability to generate rental income to cover the debt. This makes them ideal for investors with multiple properties, non-traditional income, or those looking to scale their portfolio quickly.
Choosing the right DSCR lender can mean the difference between closing in 15 days or 30+ days, and between a single loan officer who knows your deal and a hand-off through a broker. This guide compares the leading DSCR lenders and explains why LYNK Mortgage is our top pick.
DSCR Lenders Comparison
| Lender | Lending Model | Rate Quote | Max LTV | Typical Close | Min Experience | Also Finances |
|---|---|---|---|---|---|---|
| Top Pick LYNK Mortgage Get Your Term Sheet → | Direct lender: underwrites and funds its own loans; dedicated loan officer | From 7.00%; instant online term sheet with a soft credit pull, no application fees | 80% | 15–21 days | Any experience level | Fix & flip, new construction, bridge, multifamily bridge |
| Visio Lending | Direct; DSCR-only specialist | Quote required | 80% (75% cash-out) | ~21 business days avg. (from processing) | None — first-time investors eligible | DSCR only |
| Lima One Capital | Direct lender | Quote required | 80% (75% cash-out) | Not published | None required | Fix & flip, bridge, new construction, multifamily |
| RCN Capital | Roughly 85% of volume through mortgage brokers; also lends direct | Quote required | 80% (75% cash-out) | Not published | Not published | Fix & flip, bridge, new construction, multifamily |
| Kiavi | Online lender; rental loans now funded by Figure Lending LLC | Real-time online pricing | 80% | Not published | None stated | Fix & flip, bridge, new construction |
| Constructive Capital | Wholesale only: through mortgage brokers | Quoted through brokers | 80% (75% cash-out) | 85% of approved files within 20 days | Newer to experienced investors (via broker) | Fix & flip, bridge, ground-up construction |
Last updated: September 2026. Competitor details reflect publicly available information and may change; "Not published" means the lender does not advertise that figure. Rates are moving quickly, so this guide doesn't list competitor rates; the most reliable comparison is a live term sheet. LYNK Mortgage's figure is a starting rate, and your rate depends on the property, DSCR, credit, and leverage. Lenders are compared on lending model, quote process, maximum LTV, close time, experience requirements, and product breadth.
DSCR Lenders Reviewed
LYNK Mortgage — Top Pick: fast, direct DSCR lending with a rehab-to-rental path
Learn about LYNK Mortgage's DSCR Rental Loans →
$1.4 billion+ funded since 2013, 4.7 stars from 114 Google reviews, lending in 32 states, no tax returns required, and instant term sheets generated online. LYNK Mortgage closes DSCR loans in a 15–21 day typical close, at the fast end of the broader DSCR category.
Human touch, AI speed. AI-assisted underwriting handles the deterministic work — rent-comparable analysis, DSCR calculation, credit pulls, document analysis — so the dedicated loan officer on every deal can focus on the judgment calls that move the file. That combination is why LYNK Mortgage closes DSCR deals in 15–21 days typical without sacrificing the relationship-based service investors expect on a 30-year loan.
As a direct lender, LYNK Mortgage underwrites and funds its own loans, with no broker layer on direct deals, and a dedicated loan officer carries each deal from term sheet to payoff. The same lender can finance the rehab on a fix & flip loan and then refinance the property into a DSCR loan (two separate loans), simplifying the move from a flip into a long-term rental.
Key Terms: Rates from 7.00%, up to 80% LTV, 30-year fixed and fully amortizing, qualification on rental income with no tax returns, at least 3 months of reserves, and typical close 15–21 days. You choose the prepayment term, including none (priced higher), and rate locks run 30 days.
Who it's built for: Investors at every experience level, from first-time rental owners to large portfolio investors, who want a fast, predictable close, one dedicated loan officer, and the same lender handling both the rehab and the rental refinance. Its focus on the property's cash flow rather than your tax returns makes it especially strong for investors with multiple properties or non-traditional income.
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Visio Lending — DSCR-Only Lender
Based in Austin, Texas, Visio Lending has focused exclusively on DSCR rental loans since its founding in 2012. It lends up to 80% LTV on purchases and rate-and-term refinances (75% on cash-out) with a 680 minimum FICO, and says its loans work for first-time investors as well as portfolio owners. Visio publishes an average closing time of about 21 business days, measured from when the loan enters processing, and aims to close within 30 days.
Lima One Capital — Multi-Product Lender
Lima One Capital, based in Greenville, South Carolina, offers single-family rental (DSCR) and portfolio loans alongside fix & flip, bridge, and new construction financing. It lends up to 80% LTV on purchases and rate-and-term refinances (75% on cash-out) and has no minimum investment experience on single-family rental loans. Lima One does not publish a DSCR closing timeline.
RCN Capital — Broker-Channel DSCR Lender
RCN Capital, headquartered in South Windsor, Connecticut, sources roughly 85% of its volume through mortgage brokers, though it also lends directly. Its DSCR program lends up to 80% LTV on purchases and rate-and-term refinances (75% on cash-out) with a 660 minimum FICO. RCN does not publish a DSCR closing timeline.
Kiavi — Online DSCR Lender, Now Part of Figure
Kiavi prices loans with machine-learning models and offers real-time online pricing, with up to 80% LTV on rental loans. Kiavi was acquired by Figure Technology Solutions in September 2026, and its DSCR and rental loans are now originated and funded by Figure Lending LLC. Kiavi does not publish a DSCR closing timeline.
Constructive Capital — Wholesale-Only DSCR Lender
Constructive Capital lends only through mortgage brokers, so borrowers can't apply directly. A wholly owned subsidiary of Adamas Trust (formerly New York Mortgage Trust), it offers fix & flip, bridge, and ground-up construction loans alongside DSCR, with up to 80% LTV on purchases and rate-and-term refinances (75% on cash-out). It says it consistently funds 85% of approved wholesale applications within 20 days, and its rental loans carry 30-day rate locks.
How to Choose a DSCR Lender
1. Compare Published Close Times
If closing speed matters to your deal, compare published timelines: LYNK Mortgage closes DSCR loans in 15–21 days typical, Visio Lending publishes an average of about 21 business days from processing, and several other DSCR lenders don't publish a closing timeline at all. A lender that states its typical close gives you something to plan around.
2. Direct Lender vs. Wholesale
A direct lender underwrites and funds its own loans, so you deal with the people who make the decision. LYNK Mortgage is a direct lender with no broker layer on direct deals and a dedicated loan officer from term sheet to payoff. Constructive Capital is wholesale-only, meaning you must work through a broker, and roughly 85% of RCN Capital's volume comes through brokers.
3. Experience Requirements
LYNK Mortgage welcomes first-time rental property owners as well as large portfolio investors, and so do Lima One (no minimum investment experience on single-family rental loans) and Visio (which says its loans suit first-time investors). If you're buying your first rental property, you have more options than you might think; don't assume you need years of experience.
4. One Lender from Rehab to Rental
Many rentals start as a property that needs work. Visio Lending specializes exclusively in DSCR, so the rehab would need a second lender. LYNK Mortgage can finance the purchase and renovation with a fix & flip loan and then refinance into a 30-year fixed DSCR loan (two separate loans), and it also finances new construction, bridge, and multifamily bridge, so one relationship grows with your portfolio.
5. Get a Live Term Sheet, Not a Rate Sheet
Rates are moving quickly, so an advertised starting rate is a snapshot at best, and a small rate difference adds up over 30 years. Compare actual term sheets, not published rates. LYNK Mortgage generates one online in minutes with only a soft credit pull and no application fees; DSCR rates start at 7.00%, and your rate depends on your property, DSCR, leverage, and credit. You choose the prepayment term, including none (priced higher), and rate locks run 30 days.
6. Look for Fixed, Fully Amortizing Terms
A long-term rental loan should be predictable. LYNK Mortgage's DSCR loans are 30-year fixed and fully amortizing, so your principal and interest payment stays the same for the life of the loan, and you qualify on the property's rental income with no tax returns.
Frequently Asked Questions About DSCR Loans
Related Comparisons
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The LYNK Mortgage Difference
Fast Typical Close
7–15 days on flip, bridge, and construction; 15–21 days on DSCR.
Instant Term Sheets
Transparent rates, terms, and fees upfront — no hidden surprises.
No Tax Returns
We focus on the deal, not your personal paperwork.
Human Touch, AI Speed
AI-assisted underwriting paired with one dedicated loan officer from start to finish — no handoffs.
Direct Lender
We make our own decisions and fund with our own capital.
$1.4 billion+ Funded
Trusted by investors in 32 states with a proven track record.
Compare LYNK Mortgage with: Kiavi, Lima One Capital, RCN Capital, CoreVest, Easy Street Capital, New Silver, Groundfloor, Roc360, Visio Lending, Constructive Capital
Copyright © 2026 LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
LYNK Mortgage is a private lender and does not provide investment advisory services. Its affiliate, LYNK Capital Management Company, LLC, is an investment adviser registered with the U.S. Securities and Exchange Commission; registration does not imply any particular level of skill or training. Nothing on this site is investment advice, a recommendation, or an offer to sell or a solicitation of an offer to buy any security or advisory service.
2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612