Updated May 14, 2026 · Source: Bankrate
Compare DSCR Loan Rates by Lender, State & Credit Score
Side-by-side DSCR rates from 8 top lenders, ranging from 6.125% to 9.125%. Compare by credit score, down payment, and state to find the lowest rate for your investor profile — the national 30-year fixed baseline is 6.46% (Bankrate).
Primary Residence (baseline)
6.46%
30-yr fixed · Bankrate
Best DSCR Rate
6.125%
740+ FICO · 1.25+ DSCR · 30% down
Standard DSCR Rate
7.125%–7.875%
680–719 FICO · 1.0+ DSCR
New Silver (verified)
5.75%*
*Starting rate · best profile only
Rate Table by Borrower Profile
30-year fixed DSCR loans · Single-family investment properties · May 2026
| Profile | Min DSCR | FICO | Down Payment | Rate Range |
|---|---|---|---|---|
| Best-qualified | 1.25+ | 740+ | 30%+ | 6.125% – 6.625% |
| Strong | 1.25+ | 720–739 | 25% | 6.625% – 7.125% |
| Standard | 1.0–1.24 | 680–719 | 20–25% | 7.125% – 7.875% |
| Moderate | 0.75–0.99 | 660–679 | 20% | 7.875% – 8.500% |
| Challenging | Below 0.75 | Below 660 | 20% | 8.500% – 9.125%+ |
Source: Bankrate national 30-year fixed rate (6.46% as of May 14, 2026) + non-QM spread. Rates change daily — contact lenders directly for current quotes.
DSCR Loan Rates by State
State-specific factors — property taxes, insurance costs, landlord laws — directly affect your DSCR ratio and the rate you qualify for.
Texas
Dallas · Houston · Austin · San Antonio
6.125% – 9.125%
High property taxes (2.0–2.5%) reduce DSCR — factor in before applying
View Texas rates →
Florida
Miami · Tampa · Orlando · Jacksonville
6.125% – 9.125%
Insurance costs are critical — hurricane coverage can reduce DSCR by 0.10–0.25
View Florida rates →
California
Los Angeles · San Diego · Sacramento · Bay Area
6.125% – 9.125%
High prices compress DSCR — sub-1.0 DSCR lenders often required in coastal markets
View California rates →
Georgia
Atlanta · Savannah · Augusta · Columbus
6.125% – 9.125%
Low property taxes (0.90–1.20%) and fast eviction process — one of the best DSCR markets
View Georgia rates →
Arizona
Phoenix · Scottsdale · Mesa · Tucson
6.125% – 9.125%
Among the lowest property taxes in the US (0.65–0.85%) — strong STR market in Scottsdale
View Arizona rates →
More States Coming
North Carolina, Tennessee, Nevada, Colorado, New York and more — coming soon.
What Affects Your DSCR Rate
Six factors determine your specific rate quote — understanding them helps you negotiate.
Credit Score (FICO)
Highest impact720+ vs 660 FICO = up to 0.75% rate difference
DSCR Ratio
High impact1.25+ DSCR = base rate | below 0.75 = +0.50%–0.875%
Down Payment / LTV
High impact25% down vs 20% = -0.25%–0.50% on your rate
Property Type
Moderate impactSFR = base | condo = +0.125%–0.375% | STR = +0.25%–0.50%
Prepayment Penalty
High impactAccepting 3–5yr step-down = -0.50%–1.0% rate reduction
Loan Amount
Low–moderateJumbo loans ($1M+) can access better pricing from specialist lenders
Rate stack (May 14, 2026): Primary residence 30-yr fixed: 6.46% → Conventional investment property: ~7.00%–7.25% → DSCR loan (well-qualified): ~6.625%–7.125% → DSCR loan (moderate): ~7.875%–8.500%. Source: Bankrate
Frequently Asked Questions
What are current DSCR loan rates in May 2026?
DSCR loan rates range from 6.125% to 9.125% for most borrower profiles on 30-year fixed loans. Well-qualified borrowers (740+ FICO, 1.25+ DSCR, 30%+ down) can access rates from 6.125% to 6.625%. The baseline is the national 30-year fixed primary residence rate of 6.46% (Bankrate, May 14, 2026).
Are DSCR rates higher than conventional mortgage rates?
Yes. DSCR loans typically run 0.5%–1.25% above conventional investment property loan rates, which themselves run 0.75%–1.0% above primary residence rates. The premium reflects the non-QM nature of DSCR loans and their smaller secondary market.
What DSCR ratio gets the best rate?
A DSCR of 1.25 or higher qualifies for the best rate tier. Ratios between 1.0–1.24 carry a modest premium. Ratios below 1.0 carry significantly higher rates where available.
How can I lower my DSCR loan rate?
The most effective levers: improve FICO score above 720+, make a 25%+ down payment, accept a prepayment penalty (saves 0.50%–1.0%), choose a property with a strong DSCR ratio, and shop at least 3–5 lenders to get competing quotes.