Best DSCR Lenders of July 2026

• Value6.0 × .25 = 1.50
• Quality9.0 × .15 = 1.35
• Trust & reputation8.0 × .25 = 2.00
• Customer experience8.0 × .20 = 1.60
• Fit & eligibility8.0 × .15 = 1.20

marks the category median for each pillar across everyone we ranked.

Value: Deal-specific pricing like most of the category (rate sheets TPO-gated); step-down and buyout prepay structures offered; 2024 HMDA all-product fees ran above industry (caveated)

Quality: Deepest program set on our panel: sub-1.0 and no-ratio DSCR, 2-4 unit, condotel, mixed-use, rural, STR with AIRDNA, foreign national, 40-yr IO, in-house underwriting and a servicing division

Trust & reputation: NMLS #217229 displayed; ~11 years operating; ~$1.1B originated 2024 (HMDA); BBB A+; 4.88 avg across 941 syndicated reviews; 1 CFPB complaint

Customer experience: Strong loan-officer review themes (4.79 Google / 4.98 Zillow via syndicated widget), online app + borrower dashboard; time-to-close not published; isolated fee/disclosure complaints

Fit & eligibility: 620 FICO floor, $100k–$3.5M, 30 states, first-time investors accepted (680+), LLC vesting

SOURCES: https://ameritrusttpo.com/wp-content/uploads/AmeriTrust-DSCR-Matrices-1.pdf · https://originationdata.com/institution/549300A5HHOL2ED18C72 · https://ameritrusttpo.com/programs/ · https://www.bbb.org/us/ca/tustin/profile/mortgage-lenders/ameritrust-mortgage-corporation-1126-1000143258 · https://www.experience.com/reviews/company/ameritrust-mortgage-tustin-ca-101540 · https://www.ameritrust-mortgage.com/about-us · https://www.ameritrust-mortgage.com/where-we-lend

• Value7.0 × .25 = 1.75
• Quality7.0 × .15 = 1.05
• Trust & reputation8.0 × .25 = 2.00
• Customer experience7.0 × .20 = 1.40
• Fit & eligibility8.0 × .15 = 1.20

marks the category median for each pillar across everyone we ranked.

Value: Publishes current DSCR rate ranges on-page (uncommon in category); borrower-selectable 0-5yr prepay with buyout; fee schedule not published

Quality: DSCR to 0.75 + no-ratio option, STR eligible (640), IO on ARMs, up to $20M case-by-case; direct lender with AI underwriting platform; servicing arrangements unpublished

Trust & reputation: NMLS #1120111; founded 2013; BBB A+ accredited since 2015; 4.81 across 2,673 Experience.com reviews; only 10 CFPB complaints in ~6 years

Customer experience: Online app, mobile app, dedicated LOs; company-claimed 34-day average close; delay/communication complaints recur in the negative tail

Fit & eligibility: 620 floor (640 STR), 15% down at 740+, all 50 states + DC via business-purpose registrations, $100k–$4.5M in-house

SOURCES: https://griffinfunding.com/non-qm-mortgages/dscr-loans/ · https://www.bbb.org/us/ca/san-diego/profile/mortgage-lenders/griffin-funding-1126-172009171 · https://www.experience.com/reviews/company/griffin-funding-1426 · https://griffinfunding.com/state-licensing/ · https://griffinfunding.com/reviews/

• Value7.0 × .25 = 1.75
• Quality7.0 × .15 = 1.05
• Trust & reputation7.0 × .25 = 1.75
• Customer experience7.0 × .20 = 1.40
• Fit & eligibility7.0 × .15 = 1.05

marks the category median for each pillar across everyone we ranked.

Value: Publishes a footnoted teaser rate (5.875% at review) — above category norm; fees unpublished; 3-year prepay on the advertised option

Quality: 30-yr fixed, 5/1 & 7/1 ARMs, IO options; large tech platform; STR eligibility not addressed on-site; loan amounts unpublished; pending Figure acquisition (June 2026)

Trust & reputation: 13 years operating, $30B+ originated (claim); 24 CFPB complaints all-time (very low); Trustpilot ~4.6/700+; BBB A but not accredited with several unanswered complaints

Customer experience: Soft-pull online prequalification, praised portal and account managers; negative themes: extension fees, appraisal disputes, payment-process friction

Fit & eligibility: 49 states + DC (UT not served), up to 80% LTV, no reserve minimums; FICO floor not published (660 per third parties); 1.1 DSCR prequal floor vs 0.8x marketing

SOURCES: https://www.kiavi.com/loans/rental · https://www.kiavi.com/press/figure-acquires-kiavi · https://www.kiavi.com/about · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.trustpilot.com/review/kiavi.com · https://www.kiavi.com/guides/rental-loan-process

• Value6.0 × .25 = 1.50
• Quality7.0 × .15 = 1.05
• Trust & reputation8.0 × .25 = 2.00
• Customer experience7.0 × .20 = 1.40
• Fit & eligibility6.0 × .15 = 0.90

marks the category median for each pillar across everyone we ranked.

Value: No published rates or fees (third parties pegged early-2026 pricing ~6.75–9.5%); default 5-year step-down prepay with paid buy-downs

Quality: DSCR-only specialist with a deep vacation-rental program ($990M+ claimed), IO and prepay structuring options, 11 rated securitizations; servicing outsourced to BSI Financial

Trust & reputation: BBB A+ accredited since 2014; Trustpilot 4.8/186; 21 CFPB complaints lifetime; #1 DSCR lender by 2024 Scotsman Guide volume ($854.6M); operating since 2012

Customer experience: Dedicated team, ~30-day close target, strong review themes; recurring complaints about servicer payment-posting delays and late-surfacing fees

Fit & eligibility: 680 FICO floor (720+ for best pricing), $100k–$5M, 41 states + DC, no foreign nationals, sub-1.0 case-by-case

SOURCES: https://www.crowdfundedwealth.com/reviews/visio-lending-review · https://visiolending.com/dscr-loans/ · https://www.bbb.org/us/tx/austin/profile/real-estate-loans/visio-lending-0825-1000103380 · https://www.businesswire.com/news/home/20250722572467/en/ · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.trustpilot.com/review/visiolending.com

• Value6.0 × .25 = 1.50
• Quality8.0 × .15 = 1.20
• Trust & reputation7.0 × .25 = 1.75
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility8.0 × .15 = 1.20

marks the category median for each pillar across everyone we ranked.

Value: Wholesale-only pricing via broker markup (capped 3%); no consumer rates or fees published; prepay up to 5 years at 6 months’ interest is among the longer structures

Quality: Very wide box: zero-ratio DSCR, condotels, STR to 80% CLTV, 5-8 unit multifamily/mixed-use, ITIN and foreign-national variants, 40-yr IO; Mr. Cooper wholesale acquisition (2025) added 8,500+ broker partners

Trust & reputation: #1 on Scotsman Guide 2024 Top Non-QM Lenders ($2.25B, independently published); BBB A- accredited since 2013; 55 CFPB complaints rising with volume, 100% timely responses; pending single-plaintiff foreclosure suit

Customer experience: Broker-only access; company-claimed 24h underwriting / 48h closing; complaint themes cluster in servicing (subserviced by Shellpoint): payment processing and credit reporting

Fit & eligibility: 620 floor (at 65% LTV; 700 for 80%), first-time investors allowed, 48 states + DC, $100k–$3M

SOURCES: https://admortgage.com/wp-content/uploads/08.15-DSCR-UW-requirements.pdf · https://admortgage.com/programs/dscr/ · https://www.businesswire.com/news/home/20250401867802/en/ · https://www.scotsmanguide.com/rankings/top-mortgage-lenders-old/2024-top-non-qm-lenders/ · https://www.bbb.org/us/fl/ft-lauderdale/profile/mortgage-broker/a-d-mortgage-llc-0633-90077133 · https://www.consumerfinance.gov/data-research/consumer-complaints/search/

• Value6.0 × .25 = 1.50
• Quality8.0 × .15 = 1.20
• Trust & reputation7.0 × .25 = 1.75
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility7.0 × .15 = 1.05

marks the category median for each pillar across everyone we ranked.

Value: Teaser "as low as 6%" but no rate sheet or fee schedule; consultant-driven quotes; unexpected-fee complaints recur; no-prepay option exists

Quality: In-house servicing (S&P-evaluated) and full investor stack — fix-and-flip, construction, bridge, portfolio; 1-9 unit coverage; DSCR seasoning waived when refinancing out of its own bridge loans

Trust & reputation: Operating since 2010, $10B+ funded (claim), MFA Financial (NYSE REIT) parent, BBB A+ accredited since 2013, S&P-evaluated servicer; 37 CFPB complaints; 2020 CA license lapse resolved by consent order

Customer experience: Consultant-driven quoting (no self-serve pricing); positive themes on responsiveness offset by recurring underwriting delays and last-minute conditions near closing

Fit & eligibility: 660 FICO floor, 46 states, $85k–$2.5M, foreign nationals eligible, STR and portfolio loans; 3-month seasoning (waivable in-house)

SOURCES: https://www.limaone.com/rental/ · https://newsilver.com/the-lender/lima-one-reviews/ · https://www.limaone.com/ · https://www.spglobal.com/ratings/en/regulatory/article/230905-servicer-evaluation-lima-one-capital-llc-s12835647 · https://www.bbb.org/us/sc/greenville/profile/real-estate-loans/lima-one-capital-llc-0673-90006031 · https://dfpi.ca.gov/enforcement_action/lima-one-capital-llc/ · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.limaone.com/dscr-loans/

• Value5.0 × .25 = 1.25
• Quality8.0 × .15 = 1.20
• Trust & reputation7.0 × .25 = 1.75
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility7.0 × .15 = 1.05

marks the category median for each pillar across everyone we ranked.

Value: No published rates or fees anywhere (broker-quoted); current prepay structure undisclosed — pricing transparency below category norm

Quality: 85% max LTV (720 FICO) is category-high; sub-1.0 and no-ratio options, condotels, non-warrantable condos, AirDNA STR analysis at prequal, LLC vesting, deep non-QM product suite and broker tech stack

Trust & reputation: $23B+ originated since 2013 (claim), BBB A+ (not accredited), 20 CFPB complaints on the wholesale entity; 2022 SEC settlement ($1.75M) hit affiliated asset manager Angel Oak Capital Advisors — different entity, same family

Customer experience: Broker-only access — service depends on the intermediary; no time-to-close claims published; historic complaint themes: slow processing, closing-cost surprises

Fit & eligibility: 680 floor (720 for max LTV), $100k–$3M, ~48 states (no NY), first-time homebuyers excluded, first-time investors OK via broker

SOURCES: https://angeloakms.com/programs/investor-cash-flow-mortgage-program/ · https://nationalmortgageprofessional.com/news/angel-oak-brings-dscr-rent-calculations-prequal · https://www.bbb.org/us/ga/atlanta/profile/business-services/angel-oak-mortgage-solutions-0443-27935218 · https://www.sec.gov/newsroom/press-releases/2022-140 · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://angeloakms.com/angel-oak-mortgage-solutions/ · https://my.angeloakms.com/product-offerings/investor-cash-flow-loan · https://angeloakms.com/licensing/

• Value5.0 × .25 = 1.25
• Quality8.0 × .15 = 1.20
• Trust & reputation7.0 × .25 = 1.75
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility6.0 × .15 = 0.90

marks the category median for each pillar across everyone we ranked.

Value: No published rates ("varies") or fee schedule; fee transparency is the most common review complaint; prepay terms undisclosed until engaged

Quality: Institutional infrastructure most DSCR lenders lack: own securitization shelf, rated special servicer, and a growth path from single-asset DSCR to $50M+ portfolio, bridge, and build-to-rent products

Trust & reputation: Redwood Trust (NYSE REIT) subsidiary; $25B+ closed (claim); rated securitization shelf and DBRS-ranked servicer; zero CFPB complaints; Trustpilot 4.5/102 but Google 3.9/63; no BBB profile

Customer experience: Relationship-manager model, ~30-day closes; negative themes: fee-structure transparency, rigid process, slow communication

Fit & eligibility: 680 FICO, $75k–$2M single-asset, 1.0x DSCR floor, entity vesting required, foreign nationals eligible; state availability "may be limited" without a published list

SOURCES: https://www.corevestfinance.com/dscr-loans/ · https://reviews.birdeye.com/corevest-finance-158138246632668 · https://www.corevestfinance.com/ · https://dbrs.morningstar.com/research/459471/ · https://www.corevestfinance.com/about-our-company/ · https://dbrs.morningstar.com/research/483284/ · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.trustpilot.com/review/www.corevestfinance.com · https://www.corevestfinance.com/rental-loans/

• Value6.0 × .25 = 1.50
• Quality7.0 × .15 = 1.05
• Trust & reputation4.0 × .25 = 1.00
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility8.0 × .15 = 1.20

marks the category median for each pillar across everyone we ranked.

Value: Teaser "starting at 5.75%"; borrower-selectable prepay incl. none; fees unpublished, and non-refundable deposit complaints recur

Quality: Distinctive STR underwriting: AirDNA projections with no operating history required, seasonal/rural markets, condotels; partial IO (10yr); balance-sheet lender with bridge and construction products; ~$1.2B/yr volume

Trust & reputation: CA entity holds a BBB F (two unanswered complaints); Trustpilot small and polarized (~3.1/11); zero CFPB complaints; unresolved servicing-transfer allegation on investor forums — midpoint anchor minus verified negatives

Customer experience: Same-day term sheets claimed, ~30-day closes, praised loan officers; complaints: deposits lost on late declines, late-stage term changes, servicing-transfer friction

Fit & eligibility: No stated minimum DSCR, 640 FICO floor, 1-10 units, $100k–$3.5M+ (to $5M portfolio), 48 states (no ND/SD)

SOURCES: https://easystreetcap.com/easyrent/ · https://www.realestateskills.com/blog/easy-street-capital-review · https://easystreetcap.com/short-term-rentals/ · https://privatelenderlink.com/profile/easy-street-capital/ · https://www.bbb.org/us/ca/irvine/profile/loans/easy-street-capital-ca-llc-1126-1000075524 · https://www.trustpilot.com/review/easystreetcap.com · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.biggerpockets.com/forums/49/topics/1164173-easy-street-capital-legit-or-no

• Value6.0 × .25 = 1.50
• Quality5.0 × .15 = 0.75
• Trust & reputation6.0 × .25 = 1.50
• Customer experience6.0 × .20 = 1.20
• Fit & eligibility6.0 × .15 = 0.90

marks the category median for each pillar across everyone we ranked.

Value: One of few DSCR lenders publishing indicative rates/APRs (though undated with stale promo copy); soft-credit quote in about a minute; fees and prepay structure undisclosed

Quality: Focused menu (DSCR + HELOC; more listed as coming soon); 80% LTV, interest-only offered, DSCR calculator; servicing arrangements unpublished

Trust & reputation: NMLS #2278548 displayed; Indiana lender license verified Active; zero CFPB complaints; new brand (~2025) with no independent review base yet — midpoint-anchored with verified positives

Customer experience: Fast soft-credit online quote flow (verified mechanism), ~30-day close claim, named loan-officer team; no third-party review corroboration yet

Fit & eligibility: 700 FICO floor is the highest on our panel; min DSCR 1.0; up to $3M; ~33-state licensing list; LLC vesting; investment properties only

SOURCES: https://enrichloans.com/dscr-apply-now/ · https://enrichloans.com/dscr/ · https://enrichloans.com/dscr-calculator/ · https://enrichloans.com/licenses/ · https://extranet.dfi.in.gov/ConsumerCredit/EntityDetails/18214 · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://enrichloans.com/about-us/ · https://enrichloans.com/

• Value5.0 × .25 = 1.25
• Quality6.0 × .15 = 0.90
• Trust & reputation4.0 × .25 = 1.00
• Customer experience5.0 × .20 = 1.00
• Fit & eligibility8.0 × .15 = 1.20

marks the category median for each pillar across everyone we ranked.

Value: Indicative ranges only, varying by page (7–9.5% NY, 7.35–8.55% TX); no fee schedule; one CFPB complaint alleges points added at closing; sub-1.0/no-ratio pricing flexibility

Quality: No-ratio DSCR and interest-only options; wholesale channel; no borrower portal or formal product sheets found — terms live in SEO content

Trust & reputation: No licensing disclosure on its sites (below category norm even for business-purpose lending); BBB transparency alert citing licensing questions; 1 CFPB complaint and a detailed negative investor-forum thread; ~3 years operating, minimal verified reviews

Customer experience: Claims 24-48h preliminary approvals and 14-30 day closes with a named ops team; both public complaint narratives describe changed terms/dates (tiny sample) — midpoint-anchored

Fit & eligibility: All-50-state lending (company claim); 620 FICO floor; sub-1.0 and no-ratio options; 1-4 unit, condos, mixed-use 51%+ residential, short-term rentals; $100k–$3M+

SOURCES: https://www.launchfg.com/dscr/new-york · https://www.launchfg.com/dscr/texas-dscr-loan · https://www.consumerfinance.gov/data-research/consumer-complaints/search/ · https://www.launchfg.com/dscr · https://wholesale.launchfg.com/ · https://www.bbb.org/us/ny/ballston-lake/profile/financing/launch-financial-group-0041-236034834 · https://www.biggerpockets.com/forums/22/topics/1240705-steer-clear-of-launch-financial-group-and-jason-weaver · https://www.launchfg.com/