A DSCR (Debt Service Coverage Ratio) loan is a mortgage designed for rental property investors where approval is based on the property's rental income, not the borrower's personal income. The DSCR ratio is calculated as: Annual Rental Income ÷ Annual Debt Service (mortgage payments). Most lenders want a DSCR of at least 0.75-1.25.

What credit score do I need for a DSCR loan?

Most DSCR lenders require a minimum credit score of 620-680, though competitive rates typically require 680+. We focus more on the property's cash flow than your personal credit profile.

How long does it take to close a DSCR loan?

DSCR lenders advertise 10-30 day closes. We can close in as few as 10 days. Speed depends on appraisal time, title work, your responsiveness with documentation, and lender volume.

Do DSCR loans require tax returns?

No — this is the main advantage of DSCR loans. Most DSCR lenders do not require your personal tax returns or income verification. We use the property's lease agreement and rental income to qualify you.

What is a good DSCR ratio?

A DSCR ratio of 1.0 or higher means the property generates enough income to cover 100% of the annual debt service. A DSCR of 1.25 is considered strong. Most lenders accept DSCR as low as 0.75.

Can I get a DSCR loan on my first rental property?

Yes — we approve first-time rental property buyers. Some lenders require proof of existing rental properties, but we work with investors at all experience levels.

How do DSCR lenders calculate rental income?

For existing rentals with a lease, we use the actual lease rent. For new purchases, we estimate rental income based on market comparables. Some lenders apply a rental income haircut to account for vacancy and repairs.

What are typical DSCR loan rates in 2026?

DSCR rates range from approximately 6.00% to 7.50% depending on the lender, your DSCR ratio, credit score, and market conditions. Always compare multiple term sheets as a 0.25-0.50% difference means significant money over 30 years.

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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 10 days or 30+ days, accessing better rates, and working with a team that understands real estate investing. This guide compares the leading DSCR lenders to help you find the best fit for your investment goals.

DSCR Lenders Comparison

Lender	Rates From	Max LTV	Close Time	Min Experience	Best For
LYNK Mortgage	6.00%	80%	As few as 10 days	Any experience level	Speed & transparency
Visio Lending	6.25%+	75-80%	15-20 days	1 rental property	Fast closes, refinances
Lima One Capital	6.50%+	80%	20-30 days	Experience-based	Full product suite
RCN Capital	6.75%+	75%	21-30 days	Broker-focused	Repeat investors
Kiavi	6.50%+	80%	20-25 days	Any experience level	Large portfolios
Constructive Capital	7.00%+	75%	20 days	Broker-referred	Wholesale investors

Last updated: April 2026. Rates and terms reflect publicly advertised information and may vary based on credit, deal quality, experience, and market conditions. Confirm current rates directly with each lender before making a decision.

DSCR Lenders Reviewed

LYNK Mortgage — Direct DSCR Lender

LYNK Mortgage specializes in DSCR loans that close in as few as 10 days with no tax returns or income verification required. As a direct lender with over $1 billion funded, LYNK Mortgage offers instant term sheets and transparent pricing upfront, eliminating surprises and delays. Their DSCR program is backed by a dedicated team that works directly with investors from application to funding.

Key Terms: Rates from 6.00%, up to 80% LTV, 30-year amortizations, closing in as few as 10 days. LYNK Mortgage lends in 31 states and welcomes investors at all experience levels, from first-time rental property owners to large portfolio investors.

Best For: Investors who value speed, transparency, and simplicity. If you want a no-nonsense process with a dedicated loan officer and closing in under two weeks, LYNK Mortgage is worth exploring. Their focus on the deal (not your paperwork) makes them especially strong for investors with multiple properties or non-traditional income.

Visio Lending — DSCR Specialists Since 2012

Based in Austin, Texas, Visio Lending was among the first lenders to focus exclusively on DSCR loans and has been perfecting their process for over a decade. They advertise 15-20 day closes for purchases and 12-18 days for refinances, backed by a proprietary appraiser network with 48-72 hour turnarounds. Each borrower gets a dedicated processor assigned to their loan officer, ensuring consistent communication.

Key Terms: Competitive rates, 75-80% LTV, focused underwriting that emphasizes DSCR analysis. Minimum requirement: ownership of at least 1 rental property. Their streamlined process reflects years of specialization in this loan product.

Best For: Investors with existing rental properties who prioritize speed and expertise in DSCR-specific underwriting. If you're refinancing or have a property-focused story, Visio's specialization is a strong differentiator.

Lima One Capital — Full-Service Real Estate Lender

Lima One Capital, based in Greenville, South Carolina, offers a comprehensive suite of real estate products including DSCR loans, fix & flip financing, and their proprietary Fix2Rent and Build2Rent single-close products. With advertised 20-30 day closes, they use experience-based pricing tiers to reward investors with more completed deals and portfolio depth.

Key Terms: Competitive rates with experience-based discounts, up to 80% LTV, flexible underwriting. Strong suite of complementary products for investors scaling across multiple strategies (flips, rentals, and new construction).

Best For: Investors who want one lender for multiple loan products (DSCR, fix & flip, new construction). If you're building a diversified investment portfolio, Lima One's full product suite and pricing tiers can provide value as you scale.

RCN Capital — Broker-Focused DSCR Lender

RCN Capital, headquartered in South Windsor, Connecticut, is ranked #3 on the Scotsman Guide for wholesale lending volume, with 85% of their business flowing through mortgage brokers. They advertise 21-30 day closes and have developed a strong reputation for repeat business, with over 70% of their borrowers returning for additional loans. Their Gold Tier program rewards investors with 10+ completed deals.

Key Terms: Competitive rates, tiered pricing for experienced investors, strong broker relationships. Their business model emphasizes consistency and reliability for repeat investors.

Best For: Experienced investors with a track record of multiple deals, especially those working with mortgage brokers. RCN's repeat-business model and tier-based pricing make them particularly valuable for portfolio investors.

Kiavi — ML-Powered DSCR Lending

Kiavi leverages proprietary machine learning trained on 7.8 billion data points to provide fast DSCR underwriting and instant term sheets. They advertise 20-25 day closes for standard programs, with their Enterprise Program (for portfolio investors with 30+ properties and $7M+ annual volume) closing in as few as 5 days. Their technology-driven approach emphasizes speed and data-driven pricing.

Key Terms: Competitive rates with AI-driven pricing, up to 80% LTV, Enterprise Program for large investors. Their proprietary ML model differentiates their underwriting speed from traditional lenders.

Best For: Tech-forward investors and large portfolio operators. Kiavi's Enterprise Program is particularly valuable if you're scaling to 30+ properties and can negotiate portfolio-level pricing.

Constructive Capital — Wholesale-Only DSCR Specialist

Constructive Capital focuses exclusively on wholesale lending, meaning they work with mortgage brokers and investor networks rather than direct borrowers. They commit to consistently funding the majority of loans within 20 days and offer 30-day rate locks. Their streamlined wholesale model keeps costs down while maintaining predictable timelines.

Key Terms: Wholesale-only (broker-referred), competitive rates, 30-day rate lock protection, 20-day typical close timeline.

Best For: Investors working with mortgage brokers who have access to wholesale lending networks. If you have a broker relationship, Constructive Capital's speed and rate lock certainty make them worth including in your options.

How to Choose a DSCR Lender

1. Speed vs. Features Trade-off

If closing speed is your top priority, LYNK Mortgage and Visio Lending lead with 10-20 day closes. If you need multiple loan products (flip, rental, construction financing in one lender), Lima One Capital's full suite may justify a slightly longer timeline. Evaluate whether you're buying a speed advantage or comprehensive service.

2. Direct Lender vs. Wholesale

LYNK Mortgage, Visio, Lima One, RCN, and Kiavi all offer direct lending paths (you apply directly). Constructive Capital is wholesale-only, meaning you must work through a broker. Direct lending gives you more control and often better pricing, but wholesale lending through reputable brokers can be convenient if you have an existing broker relationship.

3. Experience Requirements

LYNK Mortgage, Kiavi, and Lima One welcome first-time rental property owners. Visio requires at least 1 existing rental property. RCN and Constructive Capital focus on experienced investors and brokers. 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. Specialization vs. Diversification

Visio Lending specializes exclusively in DSCR products (built around a decade of expertise). Lima One and LYNK Mortgage offer DSCR alongside multiple other products. If deep DSCR expertise is critical, specialization may matter. If you're doing multiple deal types, one-stop-shop convenience may win out.

5. Lender Rates Vary — Get Multiple Term Sheets

Rates from 6.00% to 7.00%+ are all within the current DSCR market. The difference between 6.25% and 6.75% on a $500K loan costs you significant money over 30 years. Apply with at least 2-3 lenders to compare actual term sheets, not just published rates. What you see advertised is a starting point — your actual rate depends on your property, DSCR, equity, and credit profile.

Frequently Asked Questions About DSCR Loans

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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.

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