Guides
The DSCR Rates reading room
Long-form explainers written to help you read, question and compare a DSCR loan quote. Each one opens with a short answer, then goes deep.
How DSCR loan pricing is built, from base price to final quote
A step-by-step walkthrough of how a DSCR loan quote is assembled: the market base price, the adjustment grid, compensation, and the trade between upfront cost and monthly payment.
Read the guide →02How to compare two DSCR loan quotes line by line
DSCR loan quotes are rarely apples to apples. Learn how to normalize prepayment, upfront costs, payment type, lock period and fees so you can compare offers fairly.
Read the guide →03Choosing a DSCR prepayment structure without overpaying for flexibility
How to match a DSCR prepayment penalty structure to your real hold period: step-downs, flat penalties, no-prepay options and how to model the break-even.
Read the guide →04Raising your DSCR before you apply: practical levers that actually work
Concrete ways to improve a rental property’s debt service coverage ratio before applying for a DSCR loan: rent, insurance, taxes, loan structure and timing.
Read the guide →05DSCR loan costs and fees: what each line on a quote means
A plain-English guide to the costs on a DSCR loan quote: pricing adjustments, lender credits, broker compensation, underwriting, appraisal, title and reserves.
Read the guide →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.