DSCR Loan Rates for May 2026

Get real pricing in about 60 seconds: live rates, fees, payments, and DSCR ratio. See your scenario without a call or a sales pitch.

DSCR Market Snapshot — May 2026

  • DSCR loan rates have historically priced 0.50–1.25% above conforming 30-year rates. Your exact spread depends on DSCR, LTV, and credit tier. Stronger DSCR, lower LTV, and higher FICO push your rate toward the bottom of the range. Run your numbers below and see where your deal actually lands.
  • Many DSCR programs floor at a 1.15 DSCR minimum. This program goes down to 1.0, so break-even cash flow still qualifies. If your scenario is outside the box, talk to a loan officer. Start with the pricing engine to know your numbers before you ever sit down with a seller.
  • SFR purchases and rate/term refinances cap at 80% LTV; cash-out refinances pull back to 75%. Whether you are working on door 1 or door 50, know exactly where your LTV caps land and walk in with a firm grip on your numbers.

Indicative ranges only; rates change daily. See Program Guidelines for eligibility and program details. Use the calculator above for live pricing.