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- Matched with investor-friendly lenders
- Fast pre-approvals-no W2s required
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- Scale your portfolio with confidence
DSCR (Debt Service Coverage Ratio) loans have surged in popularity among real estate investors, offering a streamlined, asset-focused path to financing without the typical headaches of conventional lending. With no personal income verification and a focus on property cash flow, these loans have become essential tools for scaling portfolios quickly. However, not all DSCR lenders are created equal. In this guide, we’ll break down the best DSCR lenders of 2025, comparing their rates, terms, and unique advantages, so you can find the perfect match for your investing strategy.
Why DSCR Loans Are a Game-Changer for Investors
DSCR loans have gained significant traction in recent years, particularly among self-employed investors, those scaling rapidly, and investors with complex income streams. Unlike traditional loans, DSCR loans qualify borrowers based on the income potential of the property itself rather than the borrower’s personal income. This makes them particularly valuable for:
- Scalable Portfolios: Investors looking to rapidly scale their holdings without hitting traditional lending caps.
- Flexible Qualification: Real estate investors with complex financials or non-W2 income streams.
- LLC-Friendly Options: Investors who prefer to hold properties in LLCs for liability protection and tax benefits.
For a deep dive into how these loans work, check out our guide on Understanding DSCR Loans.
Top DSCR Lenders of 2025 – Detailed Comparison
Here’s a look at some of the top DSCR lenders for 2025, each offering unique benefits tailored to different types of real estate investors:
| Lender | Minimum DSCR | Max LTV | Loan Amount Range | Interest Rates | Special Features |
| Easy Street Capital | 0.75 | Up to 80% | $75k to $5M | 7-9% | No property count limits, LLC-friendly, interest-only options |
| Angel Oak | 1.0 | Up to 80% | $100k to $5M | 7-9% | 40-year amortization, short-term rental-friendly, no personal income docs |
| Lima One Capital | 1.5 (for STR) | Up to 80% | $150k to $2M | 7.5-9.5% | STR-focused, aggressive LTV, fast closings |
| Visio Lending | 1.2 | Up to 80% | $100k to $3M | 7-9% | STR and long-term rental programs, nationwide lending, low-doc requirements |
| New Silver | 1.0 | Up to 80% | $100k to $2M | 7.5-9% | Digital platform, fast approvals, no income verification needed |
For more options, you can explore our full list of DSCR lenders.
Key Features to Consider When Choosing a DSCR Lender
When selecting a DSCR lender, it’s essential to consider factors beyond just interest rates. Here are the key elements that can impact your investment returns:
- DSCR Flexibility: Some lenders, like Easy Street Capital, offer DSCR as low as 0.75, making them ideal for properties with tight cash flow.
- Interest-Only Options: If maximizing cash flow is critical, look for lenders offering interest-only periods, such as Angel Oak.
- Speed and Flexibility: Digital-first lenders like New Silver can close faster, ideal for competitive markets.
- LLC and Entity Support: If you plan to buy in an LLC, ensure your lender supports this structure without added hassle.
- Prepayment Penalties: Be aware of prepayment terms, as these can significantly impact your exit strategy.
How to Choose the Right DSCR Lender for Your Strategy
Choosing the right DSCR lender depends on your specific goals and property type. Consider factors like speed, scalability, and property type flexibility. For example, if you’re focused on short-term rentals, Lima One Capital might be a better fit, while Angel Oak’s 40-year amortization can be ideal for long-term cash flow planning.
Need help deciding which lender is right for your strategy? Learn more in our Advanced DSCR Loan Strategies.
FAQs About DSCR Lenders
Can I get a DSCR loan with bad credit?
Yes, but expect to pay higher rates. Most lenders require a minimum FICO score of 640, though some may go as low as 620 for well-qualified investors.
Are DSCR loans available for short-term rental properties?
Absolutely. Lenders like Angel Oak and Lima One Capital are particularly friendly to Airbnb and short-term rental investors.
Can I refinance with a DSCR loan?
Yes, DSCR loans are popular for cash-out refinances, especially for investors looking to pull equity for their next deal.
Final Thoughts: Maximize Your Leverage in 2025
Finding the right DSCR lender can make a significant difference in your investment returns. Whether you’re scaling a portfolio or just starting, the right lender will offer the flexibility and speed needed to capture opportunities in a competitive market.
Ready to take the next step? Get Matched with a DSCR Lender Now to secure the best terms for your investment goals.
For more insights on scaling your portfolio, check out our guide on How to Use DSCR Loans for Short-Term Rental Properties.
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.
