Best DSCR Lenders 2025: Complete Ranking & Comparison for Real Estate Investors
We analyzed the top 7 DSCR lenders for 2025 based on rates, fees, closing times, and customer reviews. Our #1 pick for California investors: Capital Bridge Solutions with rates from 5.99% and 5-7 day closings.
2025 DSCR Lender Rankings
Capital Bridge Solutions
California's premier DSCR lender with lowest rates and fastest closing
Lima One Capital
Strong national lender for investor properties
Kiavi
Large scale lender with tech platform
AngelOak
Established non-QM and DSCR specialist
Griffin Funding
Direct lender with variety of programs
Truss Financial
Non-QM specialist with DSCR options
Newfi Lending
Growing DSCR lender with competitive rates
Our methodology: Rankings based on rates, fees, closing speed, credit requirements, customer reviews, and lender reliability. Updated monthly for 2025.
Complete Side-by-Side Comparison
| Lender | Starting Rate | Points | Min Credit | Min DSCR | Closing Time | Best For |
|---|---|---|---|---|---|---|
| Capital Bridge | 5.99% | 0.75% | 640 | 0.75 | 5-7 days | CA investors |
| Lima One | 7.99% | 2.0% | 680 | 1.0 | 10-14 days | Nationwide |
| Kiavi | 7.75% | 2.5% | 660 | 1.0 | 10-14 days | Fix & flip |
| AngelOak | 7.50% | 2.0% | 640 | 1.0 | 10-14 days | Broker channel |
| Griffin Funding | 7.99% | 2.25% | 660 | 1.1 | 14-21 days | Various programs |
| Truss Financial | 8.25% | 2.5% | 680 | 1.15 | 14-21 days | Non-QM focus |
| Newfi | 7.99% | 2.0% | 640 | 1.0 | 10-14 days | Growing lender |
Lowest Cost
Capital Bridge Solutions offers the lowest combined cost with 5.99% rates and 0.75% points - saving $20K-$50K over 5 years.
Fastest Closing
Capital Bridge closes in 5-7 days vs industry standard 10-14 days - critical for competitive California markets.
Most Flexible
Capital Bridge accepts 0.75 DSCR (lowest in industry) with compensating factors - more deals approved.