Current DSCR Loan Rates: Week of May 17, 2026

Q: What are current DSCR loan rates this week?

As of the week of May 17, 2026, DSCR rates range from 6.50% (strongest tier) to 9.25% (weakest tier). Standard files (700 FICO, 75% LTV, 1.20 DSCR) are pricing 7.25–8.00% this week. Rates ticked down ~0.125% from prior week on softer 10-year Treasury and tighter MBS spreads.

Q: How often does this page update?

This page refreshes weekly on Monday with rate sheet pricing from our wholesale lender panel. If markets move significantly mid-week (Fed announcements, CPI prints, Treasury auctions), we update mid-cycle.

Q: What drove DSCR rate moves this week?

DSCR rate moves track three signals: 10-year Treasury yields, agency MBS spreads, and non-QM private securitization demand. Treasury moves drive the underlying cost of money. MBS spreads drive the premium investors demand. Non-QM-specific demand drives the additional premium DSCR commands over conforming. All three matter.

This Week's Pricing Summary

Standard Files: 7.25–8.00%

Strongest tier (760+ FICO, 65% LTV, 1.25+ DSCR, SFR): 6.50–6.875%. Standard file (700 FICO, 75% LTV, 1.20 DSCR): 7.25–8.00%. Lower tier (620–660 FICO): 8.25–9.25%.

Strongest Tier

6.50%

↓ 0.125% WoW

Standard File

7.625%

↓ 0.125% WoW

10-Yr Treasury

4.31%

↓ 6 bps WoW

What Moved DSCR Rates This Week

Treasury softened. 10-year yield closed the week at 4.31%, down 6 basis points from the prior Friday. April CPI came in slightly cool of consensus and the labor market data showed easing wage pressure — both bond-positive.

MBS spreads tightened. Agency MBS spreads narrowed ~3 bps. Non-QM private MBS spreads tightened by a similar margin, suggesting investor appetite for DSCR paper held up.

Net effect on DSCR pricing: ~0.125% lower across most tiers vs the prior week. Lenders re-priced rate sheets Monday morning. If you've been on the fence about locking, this is a softer entry.

Rate Sheet — Live Pricing by Tier

Indicative rates from our wholesale lender panel as of May 17, 2026. 70% LTV purchase, SFR, 1.20 DSCR, 5-year prepay, $300K–$1M loan.

FICO Tier	30-Yr Fixed	5/1 ARM	10-Yr IO
760+	6.50–7.25%	6.25–6.875%	6.875–7.625%
740–759	6.75–7.50%	6.50–7.00%	7.125–7.875%
720–739	7.00–7.75%	6.75–7.25%	7.375–8.125%
700–719	7.25–8.00%	7.00–7.50%	7.625–8.375%
680–699	7.50–8.25%	7.25–7.75%	7.875–8.625%
660–679	7.75–8.50%	7.50–8.00%	8.125–8.875%
620–659	8.25–9.25%	8.00–8.75%	8.625–9.625%

Lock at This Week's Pricing

Treasury softness opened a window. Standard 30-day locks available. We'll quote your file against the full panel and lock the winner today.

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Looking Ahead: What to Watch

Fed meeting May 28–29: Market is pricing in a 25 bp cut. If delivered, DSCR rates could drop another 0.125–0.25%. If skipped, expect a rebound.
May jobs report (June 6): Wage growth and unemployment direction will set the rate trajectory into June. Cooler print = lower rates.
Non-QM private securitization issuance: Q2 issuance is on pace to set a 2026 high. Strong investor demand is keeping non-QM-specific spreads tight, which helps DSCR pricing relative to conforming.

How DSCR Loan Pricing Actually Works

DSCR rates are built from three components:

Risk-free base (10-year Treasury): The underlying cost of money. When the 10-year moves, all mortgage rates move directionally.
MBS spread (agency or private): The premium investors demand over Treasuries to hold mortgage securities. Volatile during stress periods (e.g., March 2023, 2020), tight during calm markets.
Non-QM premium: The additional premium DSCR commands over conforming. Driven by private securitization demand, which fluctuates with credit conditions.

Add all three and you have the wholesale lender's cost of funds. The retail/wholesale margin (typically 0.50–1.00%) lands on top. That's your quoted rate.

Frequently Asked Questions

What are current DSCR loan rates this week?

6.50% strongest tier, 7.25–8.00% standard, 8.25–9.25% weaker tier. Down ~0.125% from prior week on softer Treasury and tighter MBS spreads.

How often does this page update?

Weekly on Monday with fresh rate sheet pricing. Mid-week updates if markets move materially (Fed, CPI, jobs reports).

What drove DSCR rate moves this week?

10-year Treasury softened on cooler CPI and labor data. MBS spreads tightened on solid investor demand. Both bond-positive moves passed through to DSCR pricing.

Should I lock at current pricing or wait?

If you have a property under contract, lock now — rate forecasting is unreliable. The 30-day lock cost is roughly 0.125% — cheap insurance against an unfavorable move. We can re-lock to better pricing if rates drop materially during your lock period (float-down, lender-permitting).

How long are quoted rates honored?

Float quotes: 14–21 days. Locked quotes: 30–45 days standard, with extension options at 0.125–0.25% in additional points.

Related Resources

Rates indicative based on wholesale lender pricing as of Monday, May 17, 2026. Final quotes depend on full file profile and current market conditions. Page refreshes weekly. DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Not a loan commitment. Equal Housing Lender.