Updated July 2026
Best DSCR Lenders of 2026
We independently compared 8 top DSCR lenders across rates, minimum DSCR requirements, down payments, loan limits, and investor features. Click any column to sort.
| Lender | Min DSCR | Rates From | Min Down | Max Loan | Min FICO | Best For | Quote |
|---|---|---|---|---|---|---|---|
New SilverLowest Rates Lowest minimum DSCR, instant pre-approval technology | 0.75 | 6.00% | 20% | $3M | 660 | Properties with thin margins | Get Quote |
Griffin Funding High loan limits, jumbo DSCR specialist | 0.75 | 6.13% | 15% | $4M | 620 | Luxury & large properties | Get Quote |
Kiavi Tech platform, fix-and-flip + DSCR in one lender | 1.10 | 6.38% | 25% | $3M | 660 | BRRRR strategy investors | Get Quote |
Beeline Tech-forward digital platform, fully online process | 0.75 | 6.50% | 20% | $3M | 640 | Tech-savvy investors | Get Quote |
Axos BankBank-Direct FDIC-insured direct bank, lends in all 50 states | 1.00 | 6.50% | 25% | $30M | 700 | Bank-direct, nationwide | Get Quote |
Angel Oak Established non-QM leader, diverse loan programs | 1.00 | 6.88% | 20% | $3M | 680 | Multi-property investors | Get Quote |
theLender NONI no-ratio program — qualify without income or rent verification (1-8 units) | 1.00 | 6.99% | 20% | $3.5M | 620 | No income verification | Get Quote |
Visio LendingMost Trusted STR/Airbnb specialist — underwrites Airbnb income via AirDNA, DSCR pioneer since 2012 | 1.00 | Contact for quote | 20% | $2M | 680 | Short-term rentals & Airbnb | Get Quote |
Click column headers to sort. Rates shown are illustrative starting points and may vary. Click "Get Quote" for current pricing. Learn about our methodology.
Methodology: Rates shown are lender-advertised starting rates for well-qualified borrowers and are subject to change. Minimum DSCR, down payment, credit score, and loan limits represent standard program guidelines. Individual loan terms depend on property type, borrower profile, market conditions, and lender underwriting criteria. DSCRFinder.com does not guarantee any specific rate or approval. Always verify current terms directly with each lender. Lender links are provided free of charge, and we do not currently receive compensation from any lender. Learn about our methodology.
Lender Profiles
Beeline
Min DSCR
0.75
Rates From
6.5%
Min Down
20%
Max Loan
$3M
Min FICO
640
States
Most states
Best For
Tech-savvy investors
Tech-forward digital platform, fully online process
Visio Lending
Most TrustedMin DSCR
1.00
Rates From
Contact for quote
Min Down
20%
Max Loan
$2M
Min FICO
680
States
45+ states
Best For
Short-term rentals & Airbnb
STR/Airbnb specialist — underwrites Airbnb income via AirDNA, DSCR pioneer since 2012
Griffin Funding
Min DSCR
0.75
Rates From
6.125%
Min Down
15%
Max Loan
$4M
Min FICO
620
States
Most states
Best For
Luxury & large properties
High loan limits, jumbo DSCR specialist
Angel Oak
Min DSCR
1.00
Rates From
6.875%
Min Down
20%
Max Loan
$3M
Min FICO
680
States
All 50 states
Best For
Multi-property investors
Established non-QM leader, diverse loan programs
Kiavi
Min DSCR
1.10
Rates From
6.375%
Min Down
25%
Max Loan
$3M
Min FICO
660
States
49 states + DC
Best For
BRRRR strategy investors
Tech platform, fix-and-flip + DSCR in one lender
New Silver
Lowest RatesMin DSCR
0.75
Rates From
6%
Min Down
20%
Max Loan
$3M
Min FICO
660
States
Most states
Best For
Properties with thin margins
Lowest minimum DSCR, instant pre-approval technology
theLender
Min DSCR
1.00
Rates From
6.99%
Min Down
20%
Max Loan
$3.5M
Min FICO
620
States
40+ states
Best For
No income verification
NONI no-ratio program — qualify without income or rent verification (1-8 units)
Axos Bank
Bank-DirectMin DSCR
1.00
Rates From
6.5%
Min Down
25%
Max Loan
$30M
Min FICO
700
States
All 50 states
Best For
Bank-direct, nationwide
FDIC-insured direct bank, lends in all 50 states
How to Choose the Right DSCR Lender
Selecting the right DSCR lender depends primarily on your specific deal profile and investment strategy. Here's how to match your situation to the right lender:
If you need…
DSCR below 1.0
Beeline, Griffin Funding, or New Silver — all accept ratios as low as 0.75
If you need…
Large loan (up to $30M)
Axos Bank — the highest ceiling here, a bank-portfolio DSCR program to $30M; Griffin Funding lends to $4M for jumbo non-QM deals
If you need…
First DSCR loan
Beeline or New Silver — accessible requirements and a guided, fully digital process
If you need…
BRRRR strategy
Kiavi — offers both fix-and-flip and DSCR in one platform
If you need…
Short-term rental / Airbnb
Visio Lending — STR specialist that underwrites Airbnb income via AirDNA; Griffin also has STR programs
If you need…
No income verification
theLender — NONI no-ratio program qualifies without income or rent verification
If you need…
Multi-property portfolio
Angel Oak — institutional non-QM lender for scaling investors
If you need…
Want a direct bank
Axos Bank — FDIC-insured direct bank lending DSCR in all 50 states (5+ unit/commercial needs its separate commercial program)
If you need…
Lowest rate priority
New Silver (from 6.00%) or Griffin Funding (from 6.125%) — compare both
For a detailed breakdown of each lender's strengths and weaknesses, read our Best DSCR Lenders of 2026 guide. Use our DSCR Calculator to determine your ratio before applying.