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AmeriTrust Mortgage
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $3.5M
- 620 FICO floor and sub-1.0 DSCR programs available
- Broad property types — 2-4 units, condotels, rural, short-term rentals
- In-house underwriting and servicing; roughly $1.1B originated in 2024
- Sponsored
Enrich Loans
Verified July 10, 2026- Min. credit score
- 700
- Loan amounts
- Up to $3M
- Publishes indicative DSCR rates online
- Soft-credit online quote in about a minute
- Zero CFPB complaints on record
- Sponsored
Launch Financial Group
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $3M
- Lends in all 50 states (company claim)
- 620 FICO floor with sub-1.0 and no-ratio DSCR options
- Fast preliminary approvals (24-48 hours, company claim)
DSCR lenders compared
Listed alphabetically. We do not rank or score these companies.
A&D Mortgage
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $3M
- #1 non-QM lender by verified 2024 Scotsman Guide volume
- Zero-ratio DSCR, condotels, short-term rentals, and 5-8 unit properties
- 620 FICO floor; first-time investors accepted
AmeriTrust Mortgage
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $3.5M
- 620 FICO floor and sub-1.0 DSCR programs available
- Broad property types — 2-4 units, condotels, rural, short-term rentals
- In-house underwriting and servicing; roughly $1.1B originated in 2024
Angel Oak Mortgage Solutions
Verified October 9, 2026- Loan amounts
- $100,000 to $3 million
- Lists DSCR below 1.0 and no-ratio options
- Up to 85% LTV with a 720 credit score
- Allows non-warrantable condos and condotels
- Apply through a broker or Angel Oak's own consumer site
CoreVest Finance
Verified October 9, 2026- Loan amounts
- $75K to $3M+ (one property); $300K to $5M+ (2 to 20 properties); $500K to $50M+ (rental portfolio, 5+)
- One loan can cover 2 to 20 rentals, or 5+ properties up to $50M+
- 0.80x minimum DSCR on the single-property 30-year loan
- Publishes a rate range (5% to 11.5%) and fee range (1% to 2.5%)
- Non-recourse option on rental portfolio loans and for foreign nationals
Public reviews
- 4.5/5 on Trustpilot · 132 reviews · as of October 8, 2026
Dominion Financial Services
Verified October 9, 2026- Loan amounts
- Not published ($100,000 minimum property value)
- Publishes its 680 credit floor and 80% / 75% LTV caps
- Lends on short-term rentals and buildings up to 10 units
- Prepay choices include no penalty, 3-2-1 and 5-4-3-2-1
- Borrowers can apply direct or through a licensed broker
Public reviews
- 3.9/5 on Trustindex (82 Google + 14 Trustindex reviews) · 96 reviews · as of October 8, 2026
Easy Street Capital
Verified July 10, 2026- Min. credit score
- 640
- Loan amounts
- $100k – $3.5M+ ($5M portfolios)
- No stated minimum DSCR and a 640 FICO floor
- Short-term rentals underwritten on AirDNA projections — no operating history required
- Borrower-selectable prepayment structure, down to none
Enrich Loans
Verified July 10, 2026- Min. credit score
- 700
- Loan amounts
- Up to $3M
- Publishes indicative DSCR rates online
- Soft-credit online quote in about a minute
- Zero CFPB complaints on record
Griffin Funding
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $4.5M
- Publishes current DSCR rate ranges on its site
- 620 FICO floor; DSCR to 0.75 and a no-ratio option
- Lends in all 50 states + DC
Kiavi
Verified July 10, 2026- Min. credit score
- 660
- Loan amounts
- Not published
- Published teaser rates and a soft-pull online prequalification
- $30B+ originated across 100,000+ projects (company claim)
- No stated cash-reserve minimums
Public reviews
- 4.6/5 on Trustpilot · 788 reviews · as of October 8, 2026
Launch Financial Group
Verified July 10, 2026- Min. credit score
- 620
- Loan amounts
- $100k – $3M
- Lends in all 50 states (company claim)
- 620 FICO floor with sub-1.0 and no-ratio DSCR options
- Fast preliminary approvals (24-48 hours, company claim)
LendingOne
Verified October 9, 2026- Loan amounts
- DSCR loan $85,000 to $2,000,000; SFR Portfolio loan up to $3,000,000
- Publishes DSCR loan sizes ($85,000 to $2 million), LTVs and loan structures
- SFR Portfolio loan puts 3 to 20 single-family rentals into one loan, up to $3 million
- Apply online direct, or bring the loan through a mortgage broker
- Fix to Rent borrowers get 50% off origination fees on the DSCR refinance
Public reviews
- 4.6/5 on Trustpilot · 503 reviews · as of October 8, 2026
Lima One Capital
Verified July 10, 2026- Min. credit score
- 660
- Loan amounts
- $85k – $2.5M
- One lender across strategies — flip or build, then refinance into DSCR with no seasoning wait
- In-house servicing evaluated by S&P Global; publicly traded parent (MFA Financial)
- 1-9 unit properties, portfolios, and foreign nationals eligible
DSCR lenders differ most on rate, minimum credit score, and how they treat short-term-rental income.
Where our review info comes from
Lenders on this page are listed alphabetically. We compare published facts — terms, credit and down-payment minimums, licensing and complaint records — and cite our sources.
- We don't rate or score companies. There is no ConsumerAdviser score, star rating, or ranking formula.
- Ratings shown are public reviews. When we show a rating, it is the company's rating on the named third-party site (for example Google, Trustpilot, or the Better Business Bureau), with the number of reviews and the date we checked. Each one links to the source so you can see it for yourself.
- We never combine sources.Each site's rating is shown separately, exactly as that site displayed it. Ratings change over time, so the current figure on the source may differ.
- Facts come from public records. Product details, fees, eligibility, and licensing come from each company's own published materials and public records, and show the date we last verified them.
- How lists are ordered. Each list says how it is ordered — alphabetically unless noted otherwise.
If a company has no public review data on file, we leave that space empty rather than estimate. Always confirm current details with the provider before you decide.
Ready to compare DSCR rates?
Compare Lender RatesWhat is a DSCR loan?
A DSCR (debt-service coverage ratio) loan qualifies you on the rental income of the property instead of your personal income. Lenders divide the property’s monthly rent by its monthly debt payment — a ratio of 1.20 means the rent covers the payment with 20% to spare. No tax returns or W-2s are required, which is why investors with complex finances use them.
How DSCR loan rates are set
Rates are driven by the coverage ratio itself, your credit score, the loan-to-value, and whether the property is a long-term or short-term rental. A stronger ratio and lower LTV move you down the rate sheet. Expect DSCR rates to run roughly one to two points above conventional owner-occupied mortgages.
How to qualify
Most lenders want a minimum 620–660 credit score, a 20–25% down payment, and a coverage ratio at or above 1.0× — the best pricing usually starts around 1.25×. Reserves of three to six months of payments are common asks. Every lender on this page publishes its own floor; check the card details above.
Our lender reviews
Keep Learning
Frequently asked questions
What credit score do I need for a DSCR loan?
Most DSCR lenders look for a minimum credit score around 620 to 680, though requirements vary by lender and loan size.
Do DSCR loans require income verification?
No. DSCR loans qualify you on the property's rental income versus its debt payments, not your personal income or tax returns.
Guides & reviews
LendingOne Review 2026: DSCR and Portfolio Rental Loans
LendingOne (Lending One) reviews, DSCR and SFR portfolio loan terms, published fees, and how to apply direct or through a broker. Updated Oct. 2026.
Read the reviewReviewDominion Financial Services Reviews 2026: DSCR Loan Terms
Dominion Financial Services reviews from Google and Trustindex, plus the Baltimore investor lender's published DSCR terms and its broker program.
Read the reviewReviewLima One Capital Review
Our review of Lima One Capital’s DSCR rental loan: 1-9 unit coverage, in-house servicing, seasoning waivers — and the pricing you can’t see upfront.
Read the reviewReviewA&D Mortgage Review
Our review of A&D Mortgage’s DSCR program: zero-ratio flexibility, broker-only access, and long prepay terms.
Read the reviewReviewVisio Lending Review
Our review of Visio Lending’s Rental360 DSCR loan: Scotsman Guide’s No. 1 DSCR lender by 2024 volume, its vacation-rental depth, and its watch-outs.
Read the reviewReviewKiavi Review
Our review of Kiavi’s DSCR rental loan: published starting rates, soft-pull prequal, 80% LTV — and the terms it doesn’t publish.
Read the reviewReviewGriffin Funding Review
Our review of Griffin Funding’s DSCR loan: published rates, 620 FICO floor, 0.75 minimum DSCR, and where it falls short.
Read the reviewGuideWhat Is a DSCR Loan? A Plain-English Guide
How DSCR loans work, who qualifies, and what to watch for.
Read the guideConsumerAdviser is compensated by some of the companies that appear on this site. If you apply, sign up, or purchase through links on this page, we may earn a commission at no additional cost to you. The appearance and order of companies on this site may be based on a combination of factors, including compensation and user conversion rates, except where prohibited by law. We do not publish scores or ratings of our own; any rating shown is a company's public rating on a named third-party site, with its date. This site does not include every company, product, or offer available in a category. Information is believed to be accurate as of each page's last-updated date and is subject to change.
The information on this page is for general informational purposes only and is not financial, legal, or investment advice, nor an endorsement or recommendation of any company, product, or service. Rates, terms, and availability change frequently and vary by applicant — verify details directly with any provider before making a decision, and consider consulting a qualified professional about your situation.