DSCR loan rates are not published on a single rate sheet — they vary by lender, borrower credit profile, property characteristics, and loan structure. The ranges below reflect current market conditions as of March 2026, based on Viador Partners' active lender relationships across multiple non-QM and DSCR-specific lending programs. These are real-world ranges, not teaser rates.
Current DSCR Loan Rate Ranges — March 2026
The following rate ranges apply to standard DSCR loans on 1–4 unit investment properties as of March 2026:
- 720+ credit score, 1.25+ DSCR, 65% LTV, 30-yr fixed: 6.50–7.00%
- 700 credit score, 1.15 DSCR, 70% LTV, 30-yr fixed: 7.00–7.50%
- 680 credit score, 1.1 DSCR, 75% LTV, 30-yr fixed: 7.25–7.875%
- 660 credit score, 1.0 DSCR, 75% LTV, 30-yr fixed: 7.75–8.375%
- 640 credit score, 1.0 DSCR, 80% LTV, 30-yr fixed: 8.25–8.875%
- Sub-1.0 DSCR programs (0.75+ DSCR): 8.5–10.0%+
Rate Add-Ons by Loan Type
Add the following premiums to base rates above depending on loan characteristics:
- Short-term rental / Airbnb property: +0.25–0.50%
- Interest-only structure: +0.25–0.50%
- Cash-out refinance (vs purchase): +0.25–0.50%
- 2–4 unit property (vs single family): +0.125–0.25%
- LLC / entity vesting: typically no add-on on most DSCR programs
- Foreign national borrower: +0.50–1.00%
- 5/1 ARM (vs 30-yr fixed): -0.50 to -0.75% (lower start rate, adjustable after yr 5)
- 7/1 ARM (vs 30-yr fixed): -0.25 to -0.50%
How DSCR Rates Compare to Conventional — March 2026
Conventional investment property loans are often assumed to be significantly cheaper than DSCR loans. In practice, the gap is smaller than most investors expect once Loan Level Price Adjustments (LLPAs) are applied:
- Conventional 30-yr fixed (investment property, 700 credit, 75% LTV): approximately 6.875–7.25%
- DSCR 30-yr fixed (same profile): approximately 7.25–7.75%
- Effective spread: approximately 0.25–0.50%
On a $300,000 loan, a 0.375% rate difference equals approximately $67/month. Whether that is worth full income documentation, a 60-day timeline, a 10-property cap, and personal vesting is a deal-by-deal calculation — not an automatic answer.
What Moves DSCR Rates Most in 2026
The five factors that have the largest impact on DSCR loan pricing in the current market:
- Credit score — Moving from 660 to 720 can improve rate by 0.75–1.0%. The single highest-leverage rate improvement available before application.
- LTV — Every 5% reduction in LTV (from 80% to 75%, 75% to 70%) typically improves rate by 0.125–0.25%.
- DSCR ratio — Lenders price deals with DSCR of 1.25+ better than those at 1.05. A stronger lease or lower insurance cost can improve both DSCR and rate simultaneously.
- Lender selection — DSCR pricing matrices vary significantly across the 40+ non-QM lenders active in this space. Shopping multiple lenders on the same deal can produce 0.25–0.75% rate differences.
- Market rate environment — DSCR rates track the 10-year Treasury plus a spread. Rate lock timing matters when rates are volatile.
Frequently Asked Questions
As of March 2026, DSCR loan rates range from approximately 6.5% for best-case profiles (720+ credit, 1.25+ DSCR, 65% LTV) to 8.5%+ for higher-risk programs. A typical mid-market profile (680 credit, 1.1 DSCR, 75% LTV) falls in the 7.25–7.875% range on a 30-year fixed rate loan.
DSCR rates track treasury market movements plus a spread. As of early 2026, rates remain elevated versus the 2020–2021 era but have moderated from 2023 peaks. Rate direction is uncertain — investors with strong deals should focus on qualifying and locking rather than timing the market.
Approximately 0.25–0.75% higher in practice, once conventional Loan Level Price Adjustments for investment properties are applied. The gap is smaller than most investors assume.
Yes, for strong profiles — 720+ credit score, DSCR of 1.25 or above, and LTV of 65% or lower. These profiles can access rates in the 6.5–7.0% range as of March 2026.
Yes. Viador Partners is a mortgage broker with access to 15+ active DSCR lenders. Every deal is shopped across lenders to find the best combination of rate, terms, and execution certainty.
DSCR rates change daily based on secondary market conditions, similar to conventional mortgage rates. Rate locks are available at application and protect against rate increases during the closing process.