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DSCRLender Guide

DSCR Lender Guide researches investor loan programs and dates its evidence. We are not a lender.

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© 2026 DSCR Lender Guide.Program data reviewed August 9, 2026
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DSCR lender profiles

Every lender in the research set gets the same profile template, the same fields, and the same source treatment. Ranked by the published DSCR Accessibility Score.

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Research set8 lenders

Ranked by model accessibility-1.0. Computed from published criteria only.

Researched without filling gaps

Where a lender does not publish a figure, the profile says so. Missing evidence is never replaced with an estimate, and it is never treated as a rejection.

Ranked #1 · 91.6/100

#1 Griffin Funding 91.6/100

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

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

Minimum DSCR 0.75× · 85% purchase LTV · 86% current and rankable evidence

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#2 Easy Street Capital 87.8/100

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

Publishes a no-ratio path

Minimum DSCR No published minimum · 80% purchase LTV · 93% current and rankable evidence

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#3 Lima One Capital 72.1/100

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

Minimum DSCR 1.00× · 80% purchase LTV · 79% current and rankable evidence

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#4 New Silver 71.8/100

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

Widest state coverage

Minimum DSCR 0.75× · 80% purchase LTV · 68% current and rankable evidence

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#5 LendingOne 68.4/100

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

Fastest published closing

Minimum DSCR 0.75× · 80% purchase LTV · 86% current and rankable evidence

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#6 Angel Oak Mortgage Solutions 65.3/100

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

Widest state coveragePublishes a no-ratio path

Minimum DSCR No published minimum · 80% purchase LTV · 64% current and rankable evidence

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#7 Visio Lending 52.2/100

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

Minimum DSCR Not published · 80% purchase LTV · 71% current and rankable evidence

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#8 Kiavi 48.2/100

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

Minimum DSCR 0.80× · 80% purchase LTV · 71% current and rankable evidence

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Scores come from the published DSCR Accessibility Score (model accessibility-1.0); an unpublished figure scores zero. How the score works

Important disclosure

No lender pays for inclusion, ordering, or a score here. Ranks compare published criteria and are not a recommendation. Confirm current program terms directly with each lender.

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