Which DSCR lenders will take your file?
Enter the deal once. We check it against every published DSCR program box: state, property type, LTV, FICO, DSCR floor, entity and citizenship rules, short-term rental policy. Results are a link you can share.
23 lenders and 30 DSCR programs in the matrix. Every guideline is public, sourced, and shows its last-verified date.
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Lenders in the matrix
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What a DSCR loan is
A business-purpose rental loan qualified on the property's rent versus its payment (debt service coverage ratio), not the borrower's tax returns. A DSCR of 1.00 means rent exactly covers principal, interest, taxes, insurance and HOA.
Why lenders differ
Floors range from no minimum to 1.25. Some allow sub-1.0 at lower LTV, some offer no-ratio loans, some refuse short-term rentals or first-time investors. The box matters more than the headline rate.
How to use this site
Run the matcher, open each lender's spec sheet, then go to the lender directly. We are not a broker and never see your application. Not sure of your DSCR? Use the calculator.
Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.