Updated April 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 | 5.75% | 20% | $3M | 680 | Properties with thin margins | Get Quote |
BeelineLowest Min DSCR Tech-forward digital platform, fully online process | 0.75 | 6.50% | 20% | $3M | 660 | Tech-savvy investors | Get Quote |
Axos BankCommercial Scale Largest loan amounts, commercial-scale financing | 1.00 | 6.50% | 25% | $30M+ | 700 | Commercial-scale investors | Get Quote |
Visio LendingMost Trusted DSCR specialist since 2012, dedicated investor support | 1.00 | 6.75% | 20% | $2M | 680 | First-time DSCR borrowers | Get Quote |
Angel Oak Established non-QM leader, diverse loan programs | 1.00 | 6.88% | 20% | $3M | 680 | Multi-property investors | Get Quote |
Griffin FundingHighest Loan Limit High loan limits, jumbo DSCR specialist | 0.75 | 6.99% | 20% | $5M | 660 | Luxury & large properties | Get Quote |
theLender NONI program for seasoned investors (1-8 units) | 1.00 | 6.99% | 20% | $3.5M | 680 | Portfolio scaling | Get Quote |
Kiavi Tech platform, fix-and-flip + DSCR in one lender | 1.10 | 7.25% | 25% | $3M | 680 | BRRRR strategy investors | 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. We may receive compensation from lenders when you click affiliate links. Learn about our methodology.
Lender Profiles
Beeline
Lowest Min DSCRMin DSCR
0.75
Rates From
6.5%
Min Down
20%
Max Loan
$3M
Min FICO
660
States
Most states
Best For
Tech-savvy investors
Tech-forward digital platform, fully online process
Visio Lending
Most TrustedMin DSCR
1.00
Rates From
6.75%
Min Down
20%
Max Loan
$2M
Min FICO
680
States
45+ states
Best For
First-time DSCR borrowers
DSCR specialist since 2012, dedicated investor support
Griffin Funding
Highest Loan LimitMin DSCR
0.75
Rates From
6.99%
Min Down
20%
Max Loan
$5M
Min FICO
660
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
7.25%
Min Down
25%
Max Loan
$3M
Min FICO
680
States
32 states
Best For
BRRRR strategy investors
Tech platform, fix-and-flip + DSCR in one lender
New Silver
Lowest RatesMin DSCR
0.75
Rates From
5.75%
Min Down
20%
Max Loan
$3M
Min FICO
680
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
680
States
40+ states
Best For
Portfolio scaling
NONI program for seasoned investors (1-8 units)
Axos Bank
Commercial ScaleMin DSCR
1.00
Rates From
6.5%
Min Down
25%
Max Loan
$30M+
Min FICO
700
States
All 50 states
Best For
Commercial-scale investors
Largest loan amounts, commercial-scale financing
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 ($5M+)
Axos Bank (up to $30M+) or Griffin Funding (up to $5M)
If you need…
First DSCR loan
Visio Lending — DSCR specialist since 2012 with dedicated investor support
If you need…
BRRRR strategy
Kiavi — offers both fix-and-flip and DSCR in one platform
If you need…
Short-term rental
Beeline, Visio, or Griffin — all have established STR programs
If you need…
Portfolio scaling
theLender (NONI program) or Angel Oak for multi-property investors
If you need…
Commercial scale
Axos Bank for loans above $5M on commercial or multi-family
If you need…
Lowest rate priority
New Silver (from 5.75%) or Beeline (from 6.5%) — 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.
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