# DSCR Finder > DSCR Finder helps real estate investors compare DSCR (Debt Service Coverage Ratio) loan lenders, current rates, and qualification requirements. It offers a free DSCR calculator and a side-by-side comparison of 8 top DSCR lenders — loans that qualify on a property's rental income rather than the borrower's personal income (no W-2s or tax returns required, and you can close in an LLC). DSCR loans are designed for buy-and-hold real estate investors. Qualification is based on the Debt Service Coverage Ratio (monthly rent ÷ PITIA), not personal income. This site provides independent lender comparisons, current rate data updated monthly, state- and city-level rate guides, and educational resources. Rates shown are illustrative starting points (roughly 6.125%–9.125% in 2026 depending on FICO, LTV, and DSCR) and are not guaranteed — always verify terms directly with lenders, whose licenses can be checked at NMLS Consumer Access (nmlsconsumeraccess.org). ## Tools & Core Pages - [Compare DSCR Lenders](https://dscrfinder.com/lenders): Side-by-side comparison of 8 top DSCR lenders by starting rate, minimum DSCR, minimum FICO, down payment, and maximum loan amount. - [DSCR Loan Rate Comparison](https://dscrfinder.com/dscr-loan-rates): Compare DSCR rates by investor profile — credit score, down payment, and property type. - [Free DSCR Calculator](https://dscrfinder.com/calculator): Calculate your DSCR ratio from monthly rent and PITIA to see whether a property qualifies for a DSCR loan. - [About DSCR Finder](https://dscrfinder.com/about): Editorial mission, methodology, and how the lender data is sourced and verified. ## Foundational Guides - [What Is a DSCR Loan?](https://dscrfinder.com/blog/what-is-dscr-loan): How DSCR loans work, who they are for, and how to qualify based on rental income rather than personal income. - [How to Calculate DSCR](https://dscrfinder.com/blog/how-to-calculate-dscr-rental-property): Step-by-step DSCR calculation with worked examples (DSCR = monthly rent ÷ PITIA). - [DSCR Loan Requirements 2026](https://dscrfinder.com/blog/dscr-loan-requirements-2026): Credit score, down payment, DSCR ratio, and property requirements to qualify. - [DSCR Loan vs Conventional Mortgage](https://dscrfinder.com/blog/dscr-loan-vs-conventional-mortgage): Pros, cons, costs, and which option suits a given investment strategy. - [Best DSCR Lenders of 2026](https://dscrfinder.com/blog/best-dscr-lenders-2026): The top 8 DSCR lenders compared by rates, requirements, and features. ## Current Rates - [Current DSCR Loan Rates (July 2026)](https://dscrfinder.com/blog/current-dscr-loan-rates): Today's DSCR rates from 8 lenders, with exact rates by credit score, LTV, and property type. - [DSCR Loan Rates 2026: Rates & Key Factors](https://dscrfinder.com/blog/dscr-loan-rates-2026): What DSCR rates look like in 2026 and the main factors that affect your rate. ## State Rate Guides (July 2026) - [Arizona DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-arizona): Phoenix, Scottsdale, Mesa, Tucson. - [California DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-california): Los Angeles, San Diego, Sacramento, Bay Area. - [Colorado DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-colorado): Denver, Colorado Springs, Fort Collins, Boulder. - [Florida DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-florida): Miami, Tampa, Orlando, Jacksonville. - [Georgia DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-georgia): Atlanta, Savannah, Augusta. - [Illinois DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-illinois): Chicago, Naperville, Rockford, Peoria. - [Michigan DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-michigan): Detroit, Grand Rapids, Ann Arbor, Lansing. - [Nevada DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-nevada): Las Vegas, Reno, Henderson. - [New York DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-new-york): New York City, Buffalo, Rochester, Albany. - [North Carolina DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-north-carolina): Charlotte, Raleigh, Durham, Asheville. - [Ohio DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-ohio): Columbus, Cleveland, Cincinnati, Dayton. - [Pennsylvania DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-pennsylvania): Philadelphia, Pittsburgh, Allentown, Harrisburg. - [Tennessee DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-tennessee): Nashville, Memphis, Knoxville, Chattanooga. - [Texas DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-texas): Dallas, Houston, Austin, San Antonio. - [Washington DSCR Loan Rates](https://dscrfinder.com/blog/current-dscr-loan-rates-washington): Seattle, Spokane, Tacoma, Bellevue. ## City & Property-Type Guides - [Atlanta DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-atlanta-2026): Atlanta metro investor guide (Marietta, Alpharetta, Smyrna, Decatur). - [Austin DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-austin-2026): Austin investor guide (Round Rock, Cedar Park, Kyle); many properties need sub-1.0 DSCR lenders. - [Dallas DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-dallas-2026): Dallas–Fort Worth guide (Fort Worth, Frisco, McKinney, Plano). - [Houston DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-houston-2026): Houston guide (Katy, Sugar Land, The Woodlands, Pearland). - [Miami DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-miami-2026): Miami guide (Miami Beach, Brickell, Coral Gables, Hialeah). - [Phoenix DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-phoenix-2026): Phoenix guide (Scottsdale, Mesa, Chandler, Tempe). - [Condo DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-condo-2026): Financing investment condos — warrantability and HOA impact on DSCR. - [Multifamily DSCR Loan Rates](https://dscrfinder.com/blog/dscr-loan-rates-multifamily-2026): 2–4 unit properties — duplexes, triplexes, and fourplexes. - [Short-Term Rental DSCR Loans](https://dscrfinder.com/blog/dscr-loan-rates-short-term-rental-2026): Airbnb/VRBO income qualification and STR-friendly lenders. ## Optional - [Blog index](https://dscrfinder.com/blog): All DSCR loan guides, rate updates, and investor resources. - [Privacy Policy](https://dscrfinder.com/privacy): How the site handles data. - [Terms of Service](https://dscrfinder.com/terms): Disclaimers and usage terms; DSCR Finder is an information resource, not a lender.