#1 Griffin Funding 91.6/100
Publishes sub-1.00 and no-ratio DSCR paths, a 620 credit floor, up to 85% purchase LTV, loans to $4.5M, foreign-national eligibility, and lending in all 50 states and DC.
Visit site: Griffin Funding (opens in a new tab)Lender research
Who publishes what
Your modeled DSCR is the ratio these lenders underwrite. Each one below publishes criteria you can check before you pick up the phone.
DSCR lenders that publish their criteria
How this list is ordered. Ranked by the DSCR Accessibility Score (model accessibility-1.0, computed 2026-08-12) — published criteria only, with an unpublished figure scoring zero rather than being estimated. No lender pays for inclusion, position, or a score, and no lender influences any calculation on this site.
#2 Easy Street Capital 87.8/100
Publishes a no-ratio DSCR path, a 640 credit floor, loans to $3.5M, foreign-national eligibility, and a 30-day typical closing.
Visit site: Easy Street Capital (opens in a new tab)#3 Lima One Capital 72.1/100
Publishes a 1.00 minimum ratio, a 660 credit floor, loans from $85K to $2.5M, and three documented DSCR program variants.
Visit site: Lima One Capital (opens in a new tab)#4 New Silver 71.8/100
Publishes a 0.75 minimum ratio, a 660 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: New Silver (opens in a new tab)#5 LendingOne 68.4/100
Publishes the fastest closing time in the research set at 21 days, with a 0.75 minimum ratio and loans from $85K.
Visit site: LendingOne (opens in a new tab)#6 Angel Oak Mortgage Solutions 65.3/100
Publishes a no-ratio DSCR path, a 680 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: Angel Oak Mortgage Solutions (opens in a new tab)#7 Visio Lending 52.2/100
Publishes a short-term-rental focused DSCR program and a 30-day typical closing.
Visit site: Visio Lending (opens in a new tab)#8 Kiavi 48.2/100
Publishes a 0.80 minimum ratio and lends in every state except Utah.
Visit site: Kiavi (opens in a new tab)Figures are as published by each lender and change without notice. Confirm current terms directly before relying on them. Nothing here is an offer, a quote, or a preapproval. Disclosure
What to ask before you compare quotes
How is the ratio calculated?
Which rent figure, and whether taxes, insurance, and dues sit in the payment. Two lenders can produce different ratios on the same property.
Which rent will you use?
A signed lease, the appraiser's rent opinion, or documented short-term-rental history. This decides more files than the ratio does.
What is the minimum for this deal?
Minimums move by property type, loan purpose, and program. Ask for the one that applies to you, not the headline.
What leverage applies?
Purchase, rate-and-term, and cash-out carry different published limits. Cash-out is usually the tightest.
Is entity title allowed?
Most DSCR programs permit it. Confirm the guarantee and the paperwork before planning around it.
What does it actually cost?
Rate, points, fees, and any prepayment penalty, in writing, on the same scenario at each lender.
Model the deal first. Run the DSCR analyzer so you can hand every lender the same numbers.
Common questions
Is this a ranking?
Yes. Lenders are ordered by the DSCR Accessibility Score, a published model computed only from criteria each lender publishes. An unpublished figure scores zero rather than being estimated, and the full weights are on our research site. It is a comparison of published criteria, not a claim about which lender is right for your deal.
Does anything commercial change the calculators?
No. Every figure on this site comes from lib/calculations.ts, which has no concept of a lender. Your DSCR, rent required, stress cases, and buying power are computed identically regardless of which lenders appear in any list.
Why these lenders and not others?
They are the eight-lender research set maintained on our research site, where every figure carries a source and a verification date. A lender that does not publish its terms is not necessarily worse, but it cannot be scored on criteria that cannot be sourced.
What should I ask a DSCR lender?
How they calculate the ratio and which payment components they include, which rent figure they will use and what evidence they need, the minimum ratio for your property type and loan purpose, their leverage limits, and whether entity title is allowed.
Do you get paid if I contact one?
No. No lender pays this site for inclusion, for its position in the list, or for its score, and nothing depends on whether you contact any of them. Outbound links are provided for research convenience and are not paid placements.
Model it before you call
Coverage, rent required, and the stress cases take a minute and make every quote easier to compare.