DSCR loan rates today, read off our own price board.
One figure, and where it comes from. Every market day our price board records what a DSCR loan prices at; the rate here follows that record by itself. It is a starting rate for a well-qualified investor, not a quote: yours is priced to your credit, your leverage and the property.
Today’s DSCR rate, and what it is.
| Term | What we offer | What it means |
|---|---|---|
| Today’s rate | From 6.625%* | A representative 30-year fixed rate for a well-qualified borrower as of November 12, 2026, not an APR. Yours is priced to credit, LTV, DSCR, loan size, prepayment structure and state. |
| What it is for | A 30-year fixed DSCR loan | On a 1–4 unit rental, qualified on the rent. The DSCR program. |
| Points | None to buy it down | The figure is a rate priced at par or within half a point of it. It is never a rate bought down with extra points to look lower. |
| Leverage | Up to 85% purchase · 80% cash-out | The most we lend. The starting rate is for a borrower who borrows well under those limits. |
| Prepayment | 5-1-1-1-1 · 1-1-1-1-1 · none | The structure you choose is part of the rate. What each one costs. |
A starting rate, not a commitment to lend at it. Ask us for the rate on your deal.
How the figure is worked out.
Recorded every market day
Our own price board records what a DSCR loan prices at that day.
One sample borrower
A well-qualified investor: a credit score of 800, borrowing half the property’s value, with rent at one and a half times the payment.
One loan
A 30-year fixed rate with a 30-day lock and a five-year prepayment structure.
No bought-down rates
The lowest rate priced at par or within half a point of it. A rate that takes extra points to reach is left out.
Rounded up
The lowest such rate over the last five market days, rounded up to the next eighth, so the site never shows less than was available.
What moves your rate.
| Term | Lowers the ratetoward the starting figure | Raises the rateaway from it |
|---|---|---|
| Credit scoreHow you have paid before. | A higher score | A lower score |
| LeverageThe loan against the property’s value. | Borrowing less of the value | Borrowing close to the limit |
| DSCRThe rent against the full payment. | Rent well above the payment | Rent that barely covers it, or the no-ratio option |
| Prepayment structureWhat it costs to pay off early. | A standard five-year structure | A lighter structure, or no penalty |
| PurposeWhat the loan does. | A purchase or a rate-and-term refinance | A cash-out refinance |
| Payment typeHow the loan pays down. | Principal and interest | Interest-only |
Run a payment at any rate in the DSCR calculator, then send us the deal for the rate itself.
DSCR rate questions
What are DSCR loan rates today?
Our DSCR loans start from 6.625% on a 30-year fixed loan for a well-qualified investor. The day beside the figure at the top of this page is the last market day it was read from our price board.
Is that rate an APR?
No. It is a representative note rate, not an APR and not a quote. Your rate is priced to your credit, leverage, DSCR, loan size, prepayment structure and state.
How often do DSCR rates change?
They can move every market day. The figure on this page follows our price board by itself, so it is never a number somebody forgot to update.
Why are DSCR rates higher than conventional mortgage rates?
A DSCR loan is decided on the property’s rent and does not read your income or tax returns. That costs something in rate. DSCR and conventional, side by side.
How do I get the lowest DSCR rate?
A higher credit score, a larger down payment, rent comfortably above the payment, and a standard prepayment structure. Each one moves the rate toward the starting figure.
Does choosing no prepayment penalty raise the rate?
Usually, yes: the lighter the prepayment structure, the higher the rate. Compare what each structure costs if you may sell or refinance early.
Are DSCR rates fixed?
You choose: a 30-year fixed rate, an adjustable rate, or interest-only. The figure on this page is the 30-year fixed.
Do you charge points to get this rate?
The starting figure is a rate priced at par or within half a point of it, with no extra points paid to buy it down.
Want the rate on your deal? Send us the rental.
The rent, the value and your goal. We answer with your rate and the prepay options.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.