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- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
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- Scale your portfolio with confidence
If you’re a real estate investor in 2025, you’ve likely heard about DSCR loans—and if not, it’s time to pay attention. These innovative loans use your rental property’s income—not your personal income—to determine loan eligibility. That’s a game-changer for scaling fast, especially if you’re self-employed or hitting portfolio limits with conventional loans.
But not all DSCR lenders are created equal.
In this guide, we’ll walk you through the top DSCR lenders in 2025, comparing their strengths, requirements, and ideal borrower types so you can confidently move forward with your next deal.
A DSCR loan (Debt Service Coverage Ratio loan) lets you qualify based on the cash flow of the investment property itself—no W2s, pay stubs, or tax returns needed. If your property generates enough rent to cover the mortgage payment, you may qualify:contentReference[oaicite:0]{index=0}.
Ideal for:
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Lender | Minimum DSCR | Credit Score | Max LTV | Short-Term Rentals | LLC Friendly | Notes |
---|---|---|---|---|---|---|
Figure | 1.00 | 640 | 80% | ✅ Yes | ✅ Yes | Digital-first, fast closings (10–21 days), strong HELOC options:contentReference[oaicite:1]{index=1} |
Griffin Funding | 0.75 | 620–640 | 80% | ✅ Yes | ✅ Yes | Flexible options, 5M loan cap, Airbnb-friendly:contentReference[oaicite:2]{index=2} |
Lima One Capital | 1.25 (STR) | 660+ | 75% | ✅ Yes | ✅ Yes | STR experts, more conservative guidelines:contentReference[oaicite:3]{index=3} |
Visio Lending | 1.00 | 680+ | 80% | ✅ Yes | ✅ Yes | Transparent pricing, interest-only options available |
Angel Oak | 1.00 | 660+ | 80% | ✅ Yes | ✅ Yes | Offers 40-year IO loans, investor-focused |
New Silver | 1.00 | 640+ | 75–80% | ✅ Yes | ✅ Yes | Fast online application, great for single-property investors |
Figure’s tech-forward platform delivers fast DSCR loan approvals and closings—perfect for competitive markets. They also offer HELOCs tailored for investors.
See why investors trust Figure
Griffin allows DSCRs as low as 0.75, making them an excellent option for deals that are cash-flow tight upfront (especially with high upside).
If you’re buying an Airbnb or VRBO, Lima One stands out with its underwriting that uses AirDNA or STR market data to qualify deals:contentReference[oaicite:4]{index=4}.
New Silver accepts new investors and offers competitive DSCR loans with a strong online platform. Great for breaking into the game.
Own 10+ properties? Angel Oak offers scalable loans with long terms (including 40-year amortizations with interest-only options). Perfect for long-term cash-flow playbooks.
Before choosing a lender, ask:
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Some lenders like Griffin Funding go as low as 0.75, but most prefer 1.0 or higher. For stronger pricing, aim for 1.2+.
You’ll typically need a 640+ FICO. Some lenders allow 620 but expect higher rates and lower LTVs.
Yes, almost all top DSCR lenders allow you to close in an LLC—ideal for asset protection and tax structuring.
Yes! Many investors use DSCR loans for cash-out refinancing to unlock equity for new deals. See our full guide: Refinancing with DSCR Loans
Choosing the right DSCR lender in 2025 is about more than just rates. It’s about speed, flexibility, and finding a partner that understands real estate investors.
Whether you’re buying your first rental, scaling a short-term portfolio, or cashing out to reinvest—DSCR lenders make it possible to keep growing without hitting walls.
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Our advise is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.