Quick Answer
Current DSCR loan rates start at 5.99% for well-qualified borrowers (700+ credit, 25%+ down, 1.25+ DSCR). Rates range from 5.99% to 9.5% depending on credit score, down payment, DSCR ratio, and property type.No rate shopping - we find you the best rate from multiple lenders.
Current DSCR Loan Rates 2025
Rate Matrix by Credit Score
| Credit Score | 25% Down | 20% Down | Est. Rate |
|---|---|---|---|
| 740+ | ✓ Best | ✓ Excellent | 5.99% - 6.49% |
| 700-739 | ✓ Great | ✓ Good | 6.25% - 6.99% |
| 680-699 | ✓ Good | ✓ Fair | 6.75% - 7.49% |
| 660-679 | ✓ Fair | ⚠ Higher | 7.25% - 7.99% |
| 640-659 | ⚠ Higher | ⚠ Much Higher | 7.75% - 8.49% |
| 620-639 | ⚠ Highest | ⚠ Highest | 8.25% - 9.50% |
* Rates as of January 2025. Subject to change. Actual rate depends on full application review.
Factors Affecting Your Rate
Credit Score
High Impact740+ gets best rates. Every 20-point drop adds ~0.25-0.50% to rate. 620 minimum required.
Down Payment
High Impact25% down gets better rate than 20%. 30%+ down can save 0.25-0.50% on rate.
DSCR Ratio
Medium Impact1.25+ gets best pricing. 1.0-1.24 adds ~0.25%. Below 1.0 requires special pricing.
Property Type
Medium ImpactSFR gets best rate. Condos add ~0.25%. Multi-family 2-4 units add ~0.125-0.25%.
Loan Amount
Low-Medium ImpactLarger loans ($450K+) qualify for lower points (0.75% vs 1.5-2%). Better pricing on $1M+ loans.
Loan Purpose
Medium ImpactPurchase slightly better than refi. Cash-out refi adds ~0.25-0.50% to rate.
How to Get the Lowest Rate
DSCR vs Conventional Rates
Conventional Mortgage
DSCR Loan
✓ Worth It For Most Investors
The 0.5-1.5% higher rate is worth it to avoid documentation hassles, qualify faster, and finance unlimited properties.
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