"DSCR rates" isn't one number — it's a grid. The same investor file gets different pricing depending on whether it's a purchase or cash-out, an LLC or personal name, an SFR or a condotel, a US citizen or a foreign national. This page is organized by scenario so you can find your file fast.
For the full pricing methodology (FICO tiers, LTV add-ons, prepay structures), see our complete DSCR loan rate sheet. For weekly market updates and rate movement, see current DSCR loan rates.
Rates by Transaction Type
Purchase and rate/term refinance price similarly. Cash-out refis run higher because the lender takes on more risk pulling equity out.
DSCR Purchase Rate
Standard 700+ FICO, 75% LTV, 1.20+ DSCR, SFR. Strongest tier prices 6.50–7.25%.
Get purchase quote →DSCR Rate/Term Refinance
Replacing existing financing without taking equity out. Prices similar to purchase.
Get refi quote →DSCR Cash-Out Refinance
+0.25 to +0.50% over rate/term. Max 75% LTV cash-out on most programs. Full guide →
Get cash-out quote →California Bridge
Specialty $1M–$20M California bridge program. 60% LTV, 14–21 day close, interest-only. Full program →
Get bridge quote →Rates by Property Type
SFR is the baseline. Each non-SFR property type adds risk premium.
| Property Type | Rate Add (vs SFR) | Max LTV | Notes |
|---|---|---|---|
| Single-Family (SFR) | Base | 80% | Lowest pricing |
| 2-Unit (Duplex) | +0.000–0.125% | 80% | Essentially priced as SFR |
| 3-4 Unit | +0.125–0.250% | 75% | Slight LTV cap |
| 5+ Unit Multifamily | +0.250–0.500% | 70–75% | Commercial DSCR program |
| Warrantable Condo | +0.000–0.125% | 80% | Standard if HOA/project warranty |
| Non-Warrantable Condo | +0.375% | 75% | Limited lender pool |
| Condotel | +0.500–0.750% | 70% | Specialty program required |
| Short-Term Rental (Airbnb) | +0.000–0.250% | 75% | AirDNA accepted on most files |
| Mixed-Use | +0.500% | 65–70% | Specialty program · ≥51% residential |
Rates by Borrower Type
Standard US borrowers price baseline. Non-traditional borrower profiles add a complexity premium.
| Borrower Type | Rate Add (vs US Citizen) | Max LTV | Notes |
|---|---|---|---|
| US Citizen / Permanent Resident | Base | 80% | Standard pricing |
| ITIN Borrower | +0.500–0.875% | 75% | ITIN-specific program |
| Foreign National | +0.750–1.500% | 70% | Tier-1 countries best · Guide → |
| LLC / Entity | Base | 80% | Standard structure for DSCR |
| Trust | +0.000–0.125% | 80% | Some lenders charge a doc fee |
| First-Time Investor | +0.000–0.250% | 75% | Some lenders cap LTV without investing history |
Match Your Scenario to the Right Lender
Your exact rate depends on the full combination — file complexity, lender overlays, current week's pricing. We'll quote across the panel and surface the winner.
Get My Quote →Rates by Loan Program Variant
| Program | Rate Range | Notes |
|---|---|---|
| 30-Year Fixed | 7.00–8.50% | Most common DSCR product |
| 5/1 ARM | 6.50–8.00% | 0.250–0.500% below fixed |
| 7/1 ARM | 6.625–8.125% | Mid-duration ARM option |
| 10/6 ARM | 6.75–8.25% | Long-duration ARM |
| Interest-Only (5-yr IO) | 7.25–8.75% | +0.125–0.250% over fully-amortizing |
| Interest-Only (10-yr IO) | 7.375–8.875% | Longer IO period adds modest premium |
| 40-Year Amortization | 7.125–8.625% | Lower monthly payment, +0.125% rate |
| No-Ratio (sub-1.0 DSCR) | 8.00–9.50% | Specialty program · 65–70% LTV cap |
Rates by State (Where State Matters)
Most DSCR lenders price uniformly across all 50 states. A handful of states have state-specific overlays. The state spread is usually under 0.125%, but worth noting on jumbo files.
- Texas: Some programs require 1.20+ DSCR (vs 1.00 elsewhere). State-specific cash-out rules apply.
- California: Jumbo files ($1M+) face extra appraisal review. Bridge programs are state-specific. CA guide →
- Florida: Condo/condotel scrutiny is higher post-Surfside. Hurricane-zone insurance verification required. FL guide →
- New York: Mortgage tax adds material cost; some programs avoid NY entirely.
- Other 46 states: Same baseline pricing across all DSCR programs.
Frequently Asked Questions
6.50–9.50% range across all scenarios. Standard purchase: 7.00–8.00%. Cash-out: 7.25–8.75%. Foreign national: 7.75–9.50%. Condotel/multifamily: 0.25–0.75% premium over SFR baseline.
Purchase and rate/term refi price similarly. Cash-out refis run 0.25–0.50% higher. Gap widens above 70% LTV cash-out.
Mostly no. Texas, California, Florida, and New York have minor overlays. State spread typically under 0.125%.
Foreign national borrowers lack US credit profile and face additional underwriting complexity. Lenders price in 0.75–1.50% premium.
Yes. Lock periods run 30–45 days standard. Extensions cost 0.125–0.25% in additional points. Lock once you have the property under contract.
Related Resources
- Full DSCR Rate Sheet (by FICO/LTV/tier)
- Current DSCR Rates (Weekly Update)
- Best DSCR Lenders of 2026
- DSCR Calculator
- DSCR Cash-Out Refinance Guide
- Foreign National DSCR Loans
- California Bridge Loans
All rates indicative — final quotes depend on file specifics and current market conditions. Updated weekly. DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Not a loan commitment. Equal Housing Lender.