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- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
- Financing options fro rentals, BRRRR, STRs
- 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.
What Is a DSCR Loan?
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:
- Self-employed investors
- Short-term rental buyers
- BRRRR strategists
- LLC-based investors
- Anyone scaling beyond 5+ doors
Want to see if your property qualifies?
Submit your scenario to get matched with a top DSCR lender
Top DSCR Lenders of 2025 (Side-by-Side)
| 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 |
Which DSCR Lender Is Right for You?
1. Fastest Close: Figure
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
2. Most Flexible Terms: Griffin Funding
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).
3. Best for Short-Term Rentals: Lima One Capital
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}.
4. Best for First-Time Investors: New Silver
New Silver accepts new investors and offers competitive DSCR loans with a strong online platform. Great for breaking into the game.
5. Best for Portfolio Investors: Angel Oak
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.
What to Consider When Comparing DSCR Lenders
Before choosing a lender, ask:
- How fast can they close? (Speed matters in hot markets)
- Do they accept short-term rental income?
- Are they LLC-friendly? (You’ll want your properties titled in your LLC)
- Can they handle your growth goals? (Some lenders cap total financed properties)
Need help choosing the right lender?
Let us match you based on your property type and goals
FAQ: Best DSCR Lenders
What’s the lowest DSCR lenders will accept?
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+.
Can I get a DSCR loan with bad credit?
You’ll typically need a 640+ FICO. Some lenders allow 620 but expect higher rates and lower LTVs.
Do DSCR lenders allow LLC ownership?
Yes, almost all top DSCR lenders allow you to close in an LLC—ideal for asset protection and tax structuring.
Can I refinance with a DSCR lender?
Yes! Many investors use DSCR loans for cash-out refinancing to unlock equity for new deals. See our full guide: Refinancing with DSCR Loans
Read Next
- DSCR Loans 101: What Real Estate Investors Need to Know
- How to Qualify for a DSCR Loan Without Traditional Income Verification
- DSCR Loans for Short-Term Rental Properties
- The Complete Guide to DSCR Loans in 2025
Final Thoughts
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.
Ready to see if your deal qualifies?
Submit your scenario now and we’ll match you with the best-fit lender.
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Get Expert Investment Financing
- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
- Financing options fro rentals, BRRRR, STRs
- Scale your portfolio with confidence
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.
