DSCR Loan Interest Rates: What Determines Your Rate
DSCR loan rates are typically higher than conventional owner-occupied rates, reflecting the non-QM, business-purpose nature of the product and reduced income documentation. Several factors drive where your specific rate lands.
Credit score
As with most mortgage products, higher credit scores generally unlock better pricing tiers.
DSCR ratio
A stronger DSCR (1.20+) often qualifies for better pricing than a ratio near or below 1.0, which may carry a rate adjustment.
Loan-to-value
A larger down payment (lower LTV) typically improves your rate, since it reduces the lender's risk.
Property type and use
Short-term rentals, condos, and certain multifamily configurations can carry different pricing than a standard single-family long-term rental.
Rate locks and market movement
Because rates move with broader capital markets, the specific number you're quoted will vary week to week and lender to lender — which is exactly why comparing multiple lender offers matters.
We don't set or guarantee rates — participating lenders do. Get matched to compare current offers for your scenario.