Source-backed DSCR lender research and a private calculator for real estate investors who want the trade-offs before the sales call.
Every field in this guide carries one of these states. None of them is an approval, and none is an automatic rejection.
Published by the lender and confirmed within the freshness window for that field.
The lender does not publish this figure. It is not estimated or inferred from a competitor.
The lender states the figure depends on the program, property, or borrower.
Two sources disagree. Both remain visible until the conflict is resolved.
Previously verified, but now outside the freshness window for that field.
Each row asks one factual question of one published field and names whoever leads it. This is not a ranking, and no lender leads every category.
Derived from the States field
50 states + DC
Derived from the No-ratio path field
Published
Angel Oak Mortgage Solutions, Easy Street Capital, Griffin Funding
Computed from published criteria as of 2026-08-12. Ties are shared. No lender pays for a category or its result; see themethodology.
Ordered by the DSCR Accessibility Score (model accessibility-1.0). The score is computed only from criteria each lender publishes; an unpublished figure scores zero rather than being estimated.
Broad published flexibility for low-DSCR, STR, entity, and large-balance scenarios.
91.6/100
0.75× minimum
View profileDetailed public program guidance with first-time, STR, entity, and prepayment flexibility.
87.8/100
No published minimum
View profileFlexible entity, foreign-national, STR, portfolio, and small-multifamily programs.
72.1/100
1.00× minimum
View profileOnline-first lender with flexible DSCR headlines and a broad stabilized-rental range.
71.8/100
0.75× minimum
View profileClear rental structures, leverage, fees, and entity requirements with program-specific DSCR bands.
68.4/100
0.75× minimum
View profileBroad non-QM investor and foreign-national programs with strong property and structure breadth.
65.3/100
No published minimum
View profileRental-loan specialist with useful program education but limited current public thresholds.
52.2/100
Not published
View profileOnline rental lending with published liquidity, rent-treatment, and structure options.
48.2/100
0.80× minimum
View profileScores are computed from published criteria only; where a lender loses, its profile says so.Full weights and rules · ranking.json
See whether the property's rent covers its proposed debt service.
Weights are public now. Numeric thresholds and scores stay draft-only until approval and evidence coverage gates pass.
DSCR floors, no-ratio paths, credit, experience, and residency.
Purchase/refinance leverage, loan range, reserves, and seasoning.
Property types, STRs, entities, transaction breadth, and structures.
Normalized quotes, lender fees, and prepayment structures.
Sourced closing expectations, locks, and process clarity.
Verified state coverage and licensing identity.
Field representation, current evidence, and source quality.
A business-purpose rental-property loan that emphasizes the property's rental income relative to its proposed housing payment instead of qualifying primarily from personal income.
There is no universal floor. The lenders in this guide publish thresholds ranging from no-ratio or sub-1.0 paths to 1.2 or more for particular programs.
No. Matching uses public program evidence only and cannot account for appraisal, title, insurance, credit history, liquidity, entity documents, or underwriting judgment.
By the DSCR Accessibility Score: a published model weighted toward whether a borrower can qualify and how much they can borrow, computed only from criteria each lender publishes. Advertiser status is excluded from the model, an unpublished figure scores zero, and the full weights are on the methodology page.
Run the numbers first, then compare lenders whose verified criteria fit the property and financing plan.
