Best DSCR Lenders of 2026

Where these figures come from

Beeline's DSCR page publishes the 640 FICO floor, the 20% minimum down payment and its 28-state list. It publishes no starting rate, no minimum DSCR and no maximum loan amount — the 0.75 minimum comes from Beeline's own DSCR explainer, and we show no rate rather than guess one.

Where these figures come from

Visio's site blocks automated access, so the 680 FICO floor is the only figure we could confirm directly. The $5M Rental360 ceiling and 48-state coverage come from lender-review sources, not Visio's own page. Visio publishes no starting rate. Confirm all of it with them.

Where these figures come from

Every figure here is published on Griffin's DSCR page and dated by them (updated 1 Sep 2026): 30-year fixed from 6.375%, funding to $4.5M in-house, 620 FICO, 15% down at 740+. Griffin states no minimum DSCR is required and offers a no-ratio option; the 0.75 shown is a practical floor for standard ratio pricing.

Where these figures come from

Angel Oak's Investor Cash Flow page publishes loans to $3M and states that sub-1.0 DSCR and no-DSCR options are available. The 15% down figure is its published 85% max LTV, which requires a 720 FICO; at the 680 floor you are capped at 75% LTV (25% down). It publishes no starting rate. Angel Oak Mortgage Solutions is a wholesale lender — it works through approved mortgage brokers rather than taking applications from borrowers directly.

Where these figures come from

Kiavi's DSCR page publishes rates as low as 5.875%, a DSCR floor of 0.8x and LTV up to 80% (so 20% down). The 5.875% is a promotional campaign rate, not a standing floor — it can be withdrawn, and lender reviews put Kiavi's everyday pricing materially higher. The 660 FICO floor is from Kiavi's wider rental-loan documentation. The page publishes no loan amount range, so we show none.

Where these figures come from

All four headline figures are published on New Silver's own DSCR page: rates from 6%, 0.75 minimum DSCR, 660 minimum FICO, loans to $3M at up to 80% LTV.

Where these figures come from

theLender's NONI page publishes a 1.00 DSCR floor with 680 FICO at 85% LTV (660 at 80%), and a nearNONI program allowing sub-1.0 DSCR down to 620 FICO — which is the 620 shown here. Eligible property types are single-family, condos, townhomes and 2-4 units. No starting rate is published. We show no maximum loan amount because theLender's own pages quote different ceilings for these programs ($1.5M to $3.5M depending on where you look) — ask them which applies to your scenario.

Where these figures come from

Axos publishes loans from $150K to $30M+ and a no-ratio option at 700 FICO (up to 70% LTV at 720+, 65% at 700-710). It publishes no starting rate, no standard-program DSCR minimum (it defers to investor guidelines) and no standard-program LTV or down payment, so we show none rather than repeat the 20-25% industry norm as if it were Axos's own figure.