Find the Best DSCR Lenders for Your Deal
Stop searching and start matching. Our proprietary database tracks the industry's top non-QM lenders so you don't have to.
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Top DSCR Lenders of 2025
We've analyzed 50+ lenders to find the best rates and requirements for real estate investors.
Easy Street Capital
- ✓ 'EasyRent' Specialized Program
- ✓ No DTI Required
- ✓ Closing in as little as 48hrs
Beeline Loans
- ✓ Fully Digital Process
- ✓ Partner Dashboard Tracking
- ✓ Business Purpose Specialized
New Silver
- ✓ Instant Proof of Funds
- ✓ Flip to Rent Options
- ✓ No Appraisal (Selective)
RCN Capital
- ✓ Lower FICO Friendly
- ✓ Long-Term Rental Focus
- ✓ National Footprint
Navigator Private Capital
- ✓ Fix & Flip Hybrid
- ✓ Bridge to DSCR
- ✓ Personalized Underwriting
Looking for state-specific lenders? View Local Lender Directory →
How to Choose the Best DSCR Loan Lender
1. Look for High LTV Limits
Most top lenders offer up to 80% LTV (Loan-to-Value). If you're looking to keep more cash in your pocket, prioritize lenders like Visio or Lima One that support 80% LTV on purchases.
2. Check Minimum DSCR Requirements
While 1.2 may be the industry standard, many lenders in our directory will go down to 1.0 or even "No Ratio" (0.0) for experienced investors with strong credit scores.
3. Speed of Closing
In a competitive market, closing in 14 days vs 30 days is a deal-breaker. Look for lenders with dedicated investor desks and in-house underwriting.