Compare DSCR lenders

Compare program variants, source status, licensing identity, and current rankable evidence without turning missing information into a match.

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Evidence rule: every required field is represented. “Not published,” “varies,” and “conflicting” are visible research outcomes—not approvals or automatic rejections. Published starting rates are never used to declare a pricing winner.

Source-backed DSCR lender program comparison, ranked by the published DSCR Accessibility Score.
Lender	Ranking	Program variants	Min. DSCR	Min. FICO	LTV P / R / C	Loan range	Reserves	Structures	Prepay	Starting rate	States	Evidence status	Details
#1 Griffin FundingRanked #1 · DSCR Accessibility ScoreGriffin Funding, Inc.NMLS 1120111	#191.6/100	Cash-flow DSCRPurchase and refinance qualification based on property cash flow.No-ratio DSCRA separate path for scenarios that do not meet a standard DSCR threshold.Short-term rental DSCRSTR income may use appraisal narrative, actual history, or market data.Foreign-national DSCRAn official educational page describes the product, but current Griffin eligibility terms are not published.	0.75×Verified	620Verified	85%VerifiedNot publishedNot published80%Verified	$100,000Verifiedto $4,500,000Verified	6 monthsVerified	Fixed, ARM, IO	No penalty through five-year options, subject to state and programVerified	5.375%VerifiedMarketing floor only; not scored	50 states + DCVerified	100% fields represented82% current and rankable 1 stale3 not published1 varies Critical gaps: none.	Profile Official site
#2 Easy Street CapitalEasy Street Capital, LLCNMLS 2167568	#287.8/100	EasyRentCurrent thirty-year rental product.No-minimum DSCRAvailable only within published leverage and scenario restrictions.Short-term rentalUses AirDNA or property history under published rules.	No published minimumVerified	640Verified	80%Verified80%Verified75%Verified	$100,000Verifiedto $3,500,000Verified	9 monthsVerified	Fixed, ARM, IO	Five-year, shorter, flat, and no-penalty options subject to state restrictionsVerified	5.750%VerifiedMarketing floor only; not scored	49 states including DCVerified	100% fields represented86% current and rankable 2 stale2 not published Critical gaps: none.	Profile Official site
#3 Lima One CapitalLima One Capital, LLCNMLS 1324403	#372.1/100	Rental30Thirty-year rental financing for stabilized property.Short-term rentalMarket-data-supported STR qualification.Foreign nationalForeign-national access without established U.S. credit may be available.	1.00×Verified	660Verified	80%Verified80%Verified75%Verified	$85,000Verifiedto $2,500,000Verified	Varies — confirm with lenderVaries by scenario	Fixed, ARM, IO	No-penalty, 3-year, 5-year, and 7-year options; state restrictions applyVerified	6.000%VerifiedMarketing floor only; not scored	47 states including DCVerified	100% fields represented75% current and rankable 1 stale5 not published1 varies Critical gaps: none.	Profile Official site
#4 New SilverNew Silver Lending LLCNMLS 2154545	#471.8/100	RentThirty-year fixed rental financing for stabilized properties.	0.75×Verified	660Verified	80%Verified80%Verified80%Verified	$150,000Verifiedto $3,000,000Verified	Not publishedNot published	Fixed	Varies — confirm with lenderVaries by scenario	6.000%VerifiedMarketing floor only; not scored	50 states + DCVerified	100% fields represented61% current and rankable 1 conflicting2 stale7 not published1 varies Critical gaps: none.	Profile Official site
#5 LendingOneLendingOne, LLCNMLS 1508627	#568.4/100	Flexible DSCRHeadline program for break-even and negative-cash-flow scenarios.Broker rental gridRepresentative broker matrix with FICO-dependent DSCR rules.	0.75×Verified	680Verified	80%Verified80%Verified75%Verified	$85,000Verifiedto $2,000,000Verified	9 monthsVerified	Fixed, ARM, IO	No penalty through five-year optionsVerified	Not publishedNot publishedMarketing floor only; not scored	47 states including DCVerified	100% fields represented79% current and rankable 2 stale4 not published Critical gaps: none.	Profile Official site
#6 Angel Oak Mortgage SolutionsAngel Oak Mortgage Solutions LLCNMLS 1160240	#665.3/100	Investor Cash FlowCash-flow qualification for purchase and refinance, including below-1.0 and no-DSCR options.DSCR waiverA no-minimum option appears in the official program guide with scenario restrictions.Foreign NationalSeparate 1.0 DSCR program for borrowers living outside the United States.	No published minimumVerified	680Verified	80%VerifiedVaries — confirm with lenderVaries by scenarioVaries — confirm with lenderVaries by scenario	$100,000Verifiedto $3,000,000Verified	Varies — confirm with lenderVaries by scenario	Fixed, ARM, IO	Varies — confirm with lenderVaries by scenario	Not publishedNot publishedMarketing floor only; not scored	50 states + DCVerified	100% fields represented64% current and rankable 5 not published5 varies Critical gaps: none.	Profile Official site
#7 Visio LendingVisio Financial Services Inc.NMLS 1935590	#752.2/100	Rental360Long-term rental financing with broker-supported vacation-rental options.	Not publishedNot published	680Verified	80%Verified80%Verified75%Verified	Not publishedNot publishedto Not publishedNot published	6 monthsVerified	Fixed, ARM, IO	Varies — confirm with lenderVaries by scenario	Not publishedNot publishedMarketing floor only; not scored	42 states including DCVerified	100% fields represented68% current and rankable 1 stale7 not published1 varies Critical gaps: Minimum DSCR, Minimum loan, Maximum loan.	Profile Official site
#8 KiaviKiavi Funding, Inc.NMLS 1125207	#848.2/100	Rental loanPurchase, rate-term, and cash-out rental financing.Vacation rentalVacation-rental eligibility is discussed separately and remains scenario-dependent.	0.80×Verified	Not publishedNot published	80%Verified80%Verified80%Verified	Not publishedNot publishedto Not publishedNot published	0 monthsVerified	Fixed, ARM, IO	No penalty after year threeVerified	5.875%VerifiedMarketing floor only; not scored	50 states including DCVerified	100% fields represented68% current and rankable 1 conflicting1 stale6 not published1 varies Critical gaps: Minimum FICO, Minimum loan, Maximum loan.	Profile Official site

Ranked #1 · 91.6/100

#1 Griffin Funding

82% rankable

Lowest credit floorHighest purchase LTVLargest maximum loanMost program variantsWidest state coveragePublishes a no-ratio path

Broad published flexibility for low-DSCR, STR, entity, and large-balance scenarios.

Cash-flow DSCRPurchase and refinance qualification based on property cash flow.No-ratio DSCRA separate path for scenarios that do not meet a standard DSCR threshold.Short-term rental DSCRSTR income may use appraisal narrative, actual history, or market data.Foreign-national DSCRAn official educational page describes the product, but current Griffin eligibility terms are not published.

NMLS: 1120111
Min. DSCR: 0.75×
Purchase LTV: 85%
Credit: 620
Loan range: $100,000 – $4,500,000
States: 50 states + DC

100% fields represented82% current and rankable

Rank #1 · 91.6/100 DSCR Accessibility Score

1 stale3 not published1 varies

Critical gaps: None.

Reviewed 2026-08-12. An unpublished figure scores zero.

View profile Official site

#2 Easy Street Capital

86% rankable

Publishes a no-ratio path

Detailed public program guidance with first-time, STR, entity, and prepayment flexibility.

EasyRentCurrent thirty-year rental product.No-minimum DSCRAvailable only within published leverage and scenario restrictions.Short-term rentalUses AirDNA or property history under published rules.

NMLS: 2167568
Min. DSCR: No published minimum
Purchase LTV: 80%
Credit: 640
Loan range: $100,000 – $3,500,000
States: 49 states including DC

100% fields represented86% current and rankable

Rank #2 · 87.8/100 DSCR Accessibility Score

2 stale2 not published

Critical gaps: None.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#3 Lima One Capital

75% rankable

Flexible entity, foreign-national, STR, portfolio, and small-multifamily programs.

Rental30Thirty-year rental financing for stabilized property.Short-term rentalMarket-data-supported STR qualification.Foreign nationalForeign-national access without established U.S. credit may be available.

NMLS: 1324403
Min. DSCR: 1.00×
Purchase LTV: 80%
Credit: 660
Loan range: $85,000 – $2,500,000
States: 47 states including DC

100% fields represented75% current and rankable

Rank #3 · 72.1/100 DSCR Accessibility Score

1 stale5 not published1 varies

Critical gaps: None.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#4 New Silver

61% rankable

Widest state coverage

Online-first lender with flexible DSCR headlines and a broad stabilized-rental range.

RentThirty-year fixed rental financing for stabilized properties.

NMLS: 2154545
Min. DSCR: 0.75×
Purchase LTV: 80%
Credit: 660
Loan range: $150,000 – $3,000,000
States: 50 states + DC

100% fields represented61% current and rankable

Rank #4 · 71.8/100 DSCR Accessibility Score

1 conflicting2 stale7 not published1 varies

Critical gaps: None.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#5 LendingOne

79% rankable

Fastest published closing

Clear rental structures, leverage, fees, and entity requirements with program-specific DSCR bands.

Flexible DSCRHeadline program for break-even and negative-cash-flow scenarios.Broker rental gridRepresentative broker matrix with FICO-dependent DSCR rules.

NMLS: 1508627
Min. DSCR: 0.75×
Purchase LTV: 80%
Credit: 680
Loan range: $85,000 – $2,000,000
States: 47 states including DC

100% fields represented79% current and rankable

Rank #5 · 68.4/100 DSCR Accessibility Score

2 stale4 not published

Critical gaps: None.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#6 Angel Oak Mortgage Solutions

64% rankable

Widest state coveragePublishes a no-ratio path

Broad non-QM investor and foreign-national programs with strong property and structure breadth.

Investor Cash FlowCash-flow qualification for purchase and refinance, including below-1.0 and no-DSCR options.DSCR waiverA no-minimum option appears in the official program guide with scenario restrictions.Foreign NationalSeparate 1.0 DSCR program for borrowers living outside the United States.

NMLS: 1160240
Min. DSCR: No published minimum
Purchase LTV: 80%
Credit: 680
Loan range: $100,000 – $3,000,000
States: 50 states + DC

100% fields represented64% current and rankable

Rank #6 · 65.3/100 DSCR Accessibility Score

5 not published5 varies

Critical gaps: None.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#7 Visio Lending

68% rankable

Rental-loan specialist with useful program education but limited current public thresholds.

Rental360Long-term rental financing with broker-supported vacation-rental options.

NMLS: 1935590
Min. DSCR: Not published
Purchase LTV: 80%
Credit: 680
Loan range: Not published – Not published
States: 42 states including DC

100% fields represented68% current and rankable

Rank #7 · 52.2/100 DSCR Accessibility Score

1 stale7 not published1 varies

Critical gaps: Minimum DSCR, Minimum loan, Maximum loan.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

#8 Kiavi

68% rankable

Online rental lending with published liquidity, rent-treatment, and structure options.

Rental loanPurchase, rate-term, and cash-out rental financing.Vacation rentalVacation-rental eligibility is discussed separately and remains scenario-dependent.

NMLS: 1125207
Min. DSCR: 0.80×
Purchase LTV: 80%
Credit: Not published
Loan range: Not published – Not published
States: 50 states including DC

100% fields represented68% current and rankable

Rank #8 · 48.2/100 DSCR Accessibility Score

1 conflicting1 stale6 not published1 varies

Critical gaps: Minimum FICO, Minimum loan, Maximum loan.

Reviewed 2026-08-09. An unpublished figure scores zero.

View profile Official site

How to use the comparison

Treat the table as a research shortlist, then request terms on exactly the same scenario.

Start with hard eligibility

State, property type, purpose, loan size, entity, residency, and rental strategy can narrow the field before rate matters.

Normalize each quote

Compare rate, APR, points, lender fees, payment type, prepayment schedule, reserves, lock period, and estimated cash to close using the same loan amount and leverage.

Read the evidence states

Verified values can filter a deal. Varying, conflicting, stale, and not-published fields remain visible but cannot support a rank or category badge.

Find the DSCR lenders that fit your deal

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Source-backed DSCR lender program comparison, ranked by the published DSCR Accessibility Score.

Lender

Ranking

Program variants

Min. DSCR

Min. FICO

LTV P / R / C

Loan range

Reserves

Structures

Prepay

Starting rate

States

Evidence status

Details

#1 Griffin FundingRanked #1 · DSCR Accessibility ScoreGriffin Funding, Inc.NMLS 1120111

#191.6/100

0.75×Verified

620Verified

85%VerifiedNot publishedNot published80%Verified

$100,000Verifiedto $4,500,000Verified

6 monthsVerified

Fixed, ARM, IO

No penalty through five-year options, subject to state and programVerified

5.375%VerifiedMarketing floor only; not scored

50 states + DCVerified

100% fields represented82% current and rankable

1 stale3 not published1 varies

Critical gaps: none.

Profile Official site

#2 Easy Street CapitalEasy Street Capital, LLCNMLS 2167568

#287.8/100

EasyRentCurrent thirty-year rental product.No-minimum DSCRAvailable only within published leverage and scenario restrictions.Short-term rentalUses AirDNA or property history under published rules.

No published minimumVerified

640Verified

80%Verified80%Verified75%Verified

$100,000Verifiedto $3,500,000Verified

9 monthsVerified

Fixed, ARM, IO

Five-year, shorter, flat, and no-penalty options subject to state restrictionsVerified

5.750%VerifiedMarketing floor only; not scored

49 states including DCVerified

100% fields represented86% current and rankable

2 stale2 not published

Critical gaps: none.

Profile Official site

#3 Lima One CapitalLima One Capital, LLCNMLS 1324403

#372.1/100

1.00×Verified

660Verified

80%Verified80%Verified75%Verified

$85,000Verifiedto $2,500,000Verified

Varies — confirm with lenderVaries by scenario

Fixed, ARM, IO

No-penalty, 3-year, 5-year, and 7-year options; state restrictions applyVerified

6.000%VerifiedMarketing floor only; not scored

47 states including DCVerified

100% fields represented75% current and rankable

1 stale5 not published1 varies

Critical gaps: none.

Profile Official site

#4 New SilverNew Silver Lending LLCNMLS 2154545

#471.8/100

RentThirty-year fixed rental financing for stabilized properties.

0.75×Verified

660Verified

80%Verified80%Verified80%Verified

$150,000Verifiedto $3,000,000Verified

Not publishedNot published

Fixed

Varies — confirm with lenderVaries by scenario

6.000%VerifiedMarketing floor only; not scored

50 states + DCVerified

100% fields represented61% current and rankable

1 conflicting2 stale7 not published1 varies

Critical gaps: none.

Profile Official site

#5 LendingOneLendingOne, LLCNMLS 1508627

#568.4/100

Flexible DSCRHeadline program for break-even and negative-cash-flow scenarios.Broker rental gridRepresentative broker matrix with FICO-dependent DSCR rules.

0.75×Verified

680Verified

80%Verified80%Verified75%Verified

$85,000Verifiedto $2,000,000Verified

9 monthsVerified

Fixed, ARM, IO

No penalty through five-year optionsVerified

Not publishedNot publishedMarketing floor only; not scored

47 states including DCVerified

100% fields represented79% current and rankable

2 stale4 not published

Critical gaps: none.

Profile Official site

#6 Angel Oak Mortgage SolutionsAngel Oak Mortgage Solutions LLCNMLS 1160240

#665.3/100

No published minimumVerified

680Verified

80%VerifiedVaries — confirm with lenderVaries by scenarioVaries — confirm with lenderVaries by scenario

$100,000Verifiedto $3,000,000Verified

Varies — confirm with lenderVaries by scenario

Fixed, ARM, IO

Varies — confirm with lenderVaries by scenario

Not publishedNot publishedMarketing floor only; not scored

50 states + DCVerified

100% fields represented64% current and rankable

5 not published5 varies

Critical gaps: none.

Profile Official site

#7 Visio LendingVisio Financial Services Inc.NMLS 1935590

#752.2/100

Rental360Long-term rental financing with broker-supported vacation-rental options.

Not publishedNot published

680Verified

80%Verified80%Verified75%Verified

Not publishedNot publishedto Not publishedNot published

6 monthsVerified

Fixed, ARM, IO

Varies — confirm with lenderVaries by scenario

Not publishedNot publishedMarketing floor only; not scored

42 states including DCVerified

100% fields represented68% current and rankable

1 stale7 not published1 varies

Critical gaps: Minimum DSCR, Minimum loan, Maximum loan.

Profile Official site

#8 KiaviKiavi Funding, Inc.NMLS 1125207

#848.2/100

Rental loanPurchase, rate-term, and cash-out rental financing.Vacation rentalVacation-rental eligibility is discussed separately and remains scenario-dependent.

0.80×Verified

Not publishedNot published

80%Verified80%Verified80%Verified

Not publishedNot publishedto Not publishedNot published

0 monthsVerified

Fixed, ARM, IO

No penalty after year threeVerified

5.875%VerifiedMarketing floor only; not scored

50 states including DCVerified

100% fields represented68% current and rankable

1 conflicting1 stale6 not published1 varies

Critical gaps: Minimum FICO, Minimum loan, Maximum loan.

Profile Official site