DSCR loan pricing, explained
We don’t publish rates. We explain them.
Every DSCR quote is a base price plus a stack of adjustments for your leverage, rent coverage, credit, prepayment choice and property. Learn what moves the number — then let us shop your scenario with wholesale lenders for a quote that is actually yours.
Mortgage broker, not a lender · Business-purpose investment property only · Quotes are free
AZ CMB Licensed · #CMB-2016143
Why investors use us
Transparency is the product
No teaser numbers
A rate on a website can’t know your LTV, credit band or prepay choice. We skip the bait and quote your real scenario.
Every assumption, in writing
Our quotes list the value, rent, credit score, prepayment structure and lock period they are built on, so you can compare them honestly.
Shopped, not sold
As a broker we arrange and shop financing from wholesale lenders, whose pricing grids differ more than most investors expect.
The pricing angle
Five levers move most DSCR quotes
Learn these and you can read any term sheet. Each explainer covers how the factor is measured, why wholesale lenders price it, and what you can do about it.
Loan-to-Value (LTV)
How much of the property’s value you borrow. More equity usually means better pricing.
Read the explainer →02DSCR Ratio
How comfortably the rent covers the payment. Stronger coverage opens better tiers.
Read the explainer →03Credit Score
Priced in bands that interact with LTV. Small score changes near a band edge can matter.
Read the explainer →04Prepayment Penalty
Agreeing to keep the loan longer can improve your pricing. The trade is flexibility.
Read the explainer →05Interest-Only
Lower early payments and a higher DSCR, usually for a pricing adjustment.
Read the explainer →+Rate locks
What a lock protects, what it doesn’t, and how to pick a lock period that fits your closing.
Read the explainer →How it works
From scenario to quote
Tell us the deal
Property, rent, value, loan amount and what you want the loan to do.
We shop it
We price your scenario across wholesale lenders — often in two or three structures.
You compare
A written quote lists every assumption, so the trade-offs are clear.
We see it through
Lock, appraisal, underwriting and closing, with one point of contact.
Loan types
What we arrange
Business-purpose financing for non-owner-occupied rental property.
DSCR Loans
Purchase or refinance a rental using the property’s cash flow instead of tax returns.
Learn more →DSCR Cash-Out Refinance
Turn rental equity into capital for the next acquisition or renovation.
Learn more →DSCR Rate-Term Refinance
Change your rate, term, payment type or prepay structure on a rental.
Learn more →Short-Term Rental DSCR Loans
Finance a vacation or nightly rental on its booking income.
Learn more →DSCR Portfolio Loans
Finance multiple rentals together with a single loan and payment.
Learn more →DSCR Calculator
Check rent coverage with your own rate and terms before you ask for a quote.
Open the calculator →FAQ
Quick answers
Why doesn’t DSCR Rates publish interest rates?
Because a DSCR rate is built from a market-driven base price plus adjustments for your LTV, credit, DSCR, prepayment structure, payment type, property type and loan size. A single published number would be wrong for most readers and out of date within days. We explain the factors and then quote your actual scenario.
Is DSCR Rates a lender?
No. DSCR Rates is a brand of Loan Daddy LLC, a licensed mortgage broker (NMLS 2827624). We do not lend money. We arrange and shop financing from wholesale lenders on your behalf.
What is a DSCR loan?
A business-purpose loan on an investment property that qualifies primarily on the property’s rental income compared with its monthly payment (the debt service coverage ratio), rather than on your personal income.
How is DSCR calculated?
Gross monthly rent divided by the monthly principal, interest, taxes, insurance and HOA dues (PITIA). A ratio of 1.00 means the rent exactly covers the payment.
Start a quote
Get your scenario priced
The short version. We’ll follow up for the rest.
Ready for a number that is actually yours?
Published rate tables cannot account for your LTV, DSCR, credit, prepayment choice and property. Send us the scenario and we will shop it with wholesale lenders and return a custom quote.
Program Structure Comparison & Investor Brief
Reviewed by Loan Daddy LLC editorial team · Business-purpose investment property brokerage (NMLS #2827624).
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), ARV, and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Tax Returns / W-2 Required | Not required on standard DSCR shelves | Not required on asset-based bridge shelves | 2 years of personal & business tax returns and W-2s |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (standard for business-purpose bridge) | Generally restricted to individual borrower vesting |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |