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- /DSCR Rental Loans
DSCR Rental Loans: Compare 42 Lenders
Long-term rental loans qualified on the property's rental income (debt service coverage ratio) rather than personal income.
Typical advertised terms
Medians of advertised ranges · checked 2026-11-03Terms as advertised on each lender's website, last checked November 3, 2026. Not an offer; actual terms depend on your deal. Confirm directly with the lender.
Compare 42 lenders
| Lender | Rate* | Points* | Max LTC* | Min credit* | Loan size* | Loan types | |
|---|---|---|---|---|---|---|---|
| Anchor Loans Thousand Oaks, CA | — | — | 85% | 620 | $75K–$200M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| BridgeWell Capital | — | — | — | 700 | $150K–$2M | Fix & flip, DSCR | Get competing term sheets |
| CIVIC Financial Services Redondo Beach, CA | 6.56% | — | 90% | 660 | $50K–$10M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Capital Fund 1 Scottsdale, AZ | 8.99–9.75% | — | 95% | 620 | $100K–$3M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Capital Funding Financial Boca Raton, FL | 6.5% | 1.5–3.5 | 90% | 660 | $250K–$100M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Cardinal Capital Group Boston, MA | 7% | — | 90% | — | $200K–$20M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Casa Lending Cleveland, OH | — | — | — | 600 | $50K–$10M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Certain Lending Seattle, WA | — | — | 97.5% | 660 | $75K–$3M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Conventus San Francisco, CA | 6% | — | — | — | $75K–$15M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| CoreLend Financial Memphis, TN | — | 1–5 | — | — | from $75K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| CoreVest Finance Irvine, CA | — | — | 100% | — | from $75K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Crebrid Plano, TX | 5.75% | 1–2.5 | 90% | 640 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Crossroads Investment Lending Overland Park, KS | 13.9% | 3.9 | — | — | $50K–$2M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Crowdcopia Philadelphia, PA | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Dunmor Los Angeles, CA | — | — | 93% | 650 | $100K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Easy Street Capital Austin, TX | 5.75% | — | 93% | 600 | $75K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Fairview Commercial Lending 3 states | — | — | — | — | $150K–$2M | Bridge, DSCR | Get competing term sheets |
| Genesis Capital All 50 states + DC | — | — | — | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Groundfloor Lending Atlanta, GA | 9% | — | 93% | 640 | $75K–$3.5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| KECO Capital, LLC Honolulu, HI | 7.99% | — | 90% | — | — | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Kiavi Pittsburgh, PA | 6.375% | — | 100% | — | $75K–$10M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lantzman Lending San Diego, CA | 6–12% | — | 90% | 660 | $50K–$5M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| LendingOne Boca Raton, FL | — | — | 100% | — | $85K–$40M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Lima One Capital Greenville, SC | 6.5% | — | 95% | 660 | $85K–$5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| MM Lending Louisville, KY | — | 1 | — | 680 | $100K–$1.5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| MoFin Lending New York, NY | — | — | 90% | 660 | $3.5M–$20M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Mortgage Vintage All 50 states + DC | 9.99% | — | 75% | — | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| New Silver | 6.875% | 0–2 | 90% | — | $100K–$5M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Park Place Finance Austin, TX | 5.75% | 1–3 | 93% | 640 | $100K–$6M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Pimlico Capital Baltimore, MD | 6.25–9.95% | — | 90% | 660 | $75K–$3M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Pine Financial Group 1 states | — | — | — | — | — | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Property Flip Loan Annapolis, MD | — | — | 85% | 600 | from $100K | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| RCN Capital South Windsor, CT | 6% | — | 100% | 650 | $70K–$2M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Rain City Capital Kirkland, WA | — | — | 100% | — | $75K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Rehab Financial Group Rosemont, PA | 9.99% | 1.5 | 100% | 640 | $100K–$1.3M | Fix & flip, Construction, DSCR | Get competing term sheets |
| Residential Capital Partners | 6.625% | — | 100% | — | $50K–$3.5M | Fix & flip, DSCR | Get competing term sheets |
| Spring Garden Lending Philadelphia, PA | — | — | 85% | — | — | DSCR | Get competing term sheets |
| TaliMar Financial | — | — | — | — | $250K–$10M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Ternus Charlotte, NC | 9.5% | 0.5 | 90% | 620 | $50K–$1M | Fix & flip, Bridge, DSCR | Get competing term sheets |
| Upright Lending Cleveland, OH | 5.99% | — | 92.5% | 660 | $100K–$3.5M | Fix & flip, Bridge, Construction, DSCR | Get competing term sheets |
| Visio Lending Austin, TX | — | — | — | 680 | from $75K | DSCR | Get competing term sheets |
| i Fund Cities Philadelphia, PA | — | — | — | — | — | Fix & flip, DSCR | Get competing term sheets |
* Terms as advertised on each lender's own website, last checked 2026-11-03. Not an offer; actual terms depend on your deal. Confirm directly with the lender. “—” means the website didn't say.
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Frequently asked questions
What is a dscr loan?
Long-term rental loans qualified on the property's rental income (debt service coverage ratio) rather than personal income.
What rates do dscr lenders charge?
The median advertised range among the 22 lenders that publish rates is 6.53–9.95% (as advertised).
How much leverage can I get?
Median advertised maximum LTV is 80% across 35 lenders (as advertised).
Where do these rates come from?
Each lender's own website. We record what they advertise and re-check every lender's site regularly; the date checked is shown on every page. They aren't offers. Your actual terms depend on your deal, credit and experience, so confirm directly with the lender.
How are lenders ordered?
Alphabetically by default, and you can re-sort by rate, leverage, minimum credit or speed. No lender can pay for a higher position.
DSCR Rental Loans by state
- Alabama (17)
- Alaska (11)
- Arizona (15)
- Arkansas (16)
- California (13)
- Colorado (18)
- Connecticut (18)
- Delaware (16)
- District of Columbia (8)
- Florida (19)
- Georgia (18)
- Hawaii (12)
- Idaho (15)
- Illinois (15)
- Indiana (18)
- Iowa (16)
- Kansas (17)
- Kentucky (17)
- Louisiana (15)
- Maine (16)
- Maryland (19)
- Massachusetts (17)
- Michigan (15)
- Minnesota (14)
- Mississippi (15)
- Missouri (17)
- Montana (16)
- Nebraska (16)
- Nevada (10)
- New Hampshire (17)
- New Jersey (16)
- New Mexico (15)
- New York (15)
- North Carolina (18)
- North Dakota (8)
- Ohio (18)
- Oklahoma (17)
- Oregon (14)
- Pennsylvania (17)
- Rhode Island (16)
- South Carolina (18)
- South Dakota (7)
- Tennessee (17)
- Texas (17)
- Utah (12)
- Vermont (11)
- Virginia (18)
- Washington (17)
- West Virginia (14)
- Wisconsin (17)
- Wyoming (15)
Other loan types
How this directory works
HardMoneyRate does not rank lenders by who pays us. Lists are A–Z by default and you choose the sort. No lender can buy a higher position, a “featured” badge, or a better rating. Terms are what each lender advertises on its own website, checked regularly. They aren't offers and haven't been confirmed with the lender. Reviews can only come from borrowers who actually connected with that lender through HardMoneyRate. Lenders can request corrections or removal at any time.