Best DSCR Lenders: Who Offers the Most Competitive Rates?

Getting a DSCR loan is a great way to finance your next rental investment. However, not every DSCR lender is created equal. Some offer better loan rates and terms than others. 

At ABL, we’ve issued countless DSCR loans to investors nationwide with flexible terms, low rates, fast closings, and constant support. 

What to Look for In a DSCR Lender

When shopping for a DSCR lender, here’s what to look for:

Partnership

The best DSCR lenders are business partners that support you at every stage of the investment. Stay away from lenders who disappear after closing day. 

Local Lender

Choose a lender with a team local to you. They’ll have expertise from working in your market to guide you in the right direction. 

Competitive Rates

The lower your interest rate, the less you’ll pay in borrowing costs over the life of the loan, increasing your ROI.

Strong Reputation

The best DSCR lenders have many positive reviews from past and current borrowers.

The Top 8 DSCR Lenders for 2026

---

1. Asset Based Lending

ABL is a DSCR lender that offers flexibility, speed, competitive rates, and the only true Zero-Point program in the industry, meaning you can pay as few as 0 points on closing day. Plus, ABL has local teams in 41 states and Washington, D.C. to support you.

Loan Requirements
Min Credit Score	680
Max LTV	80%
Min Loan Size	$100K
Min DSCR	Varies (1.2 is average)

Loan Terms
Origination Fee (Points)	0-2%
Prepayment Penalty	None

Loan Processing Speeds
Pre-Approval Speed	24 hours or less
Closing Speed	30 days or less

Loan Options
Property Type Options	1-8 unit residential or mixed-use rentals
Short-Term Rental Option	Yes
Portfolio Loan Option	Yes

Experience Level
Year Established	2010
Loans Funded	7,000+ valued at $3.3B+
States Serving	41 + DC

Lender Reputation
Online Ratings	525 5-star reviews

2. Visio Lending

Visio Lending is a DSCR lender that had over $854 million in deal volume in 2024. 

Loan Requirements
Min Credit Score	680
Max LTV	70-80%
Min Loan Size	$75K
Min DSCR	1.2

Loan Terms
Origination Fee (Points)	1%
Prepayment Penalty	Yes

Loan Processing Speeds
Pre-Approval Speed	N/A
Closing Speed	N/A

Loan Options
Property Type Options	Single-family (1-4 unit) residential rentals, vacation rentals
Short-Term Rental Option	Yes
Portfolio Loan Option	Yes

Experience Level
Year Established	2012
Loans Funded	20,000+
States Serving	42

Lender Reputation
Online Ratings	2.5 average (across 246 Google reviews)

3. Kiavi

Kiavi is a DSCR lender that boasts a successful exit rate of 95%. 

Loan Requirements
Min Credit Score	N/A
Max LTV	80%
Min Loan Size	N/A
Min DSCR	1.1

Loan Terms
Origination Fee (Points)	Varies
Prepayment Penalty	None after year 3

Loan Processing Speeds
Pre-Approval Speed	N/A
Closing Speed	30+ days

Loan Options
Property Type Options	Single-family rental (SFR), manufactured homes, PUDs, 2-4 units, and condos
Short-Term Rental Option	Yes
Portfolio Loan Option	Yes

Experience Level
Year Established	2013
Loans Funded	100,000+ worth $27B+
States Serving	45 + DC

Lender Reputation
Online Ratings	4.3 average (across 569 Google reviews)

4. Dominion Financial Services

Dominion Financial Services is a DSCR lender that’s been around since 2002 and lends across all 50 states and Washington, D.C.

Loan Requirements
Min Credit Score	680
Max LTV	80%
Min Loan Size	$100K
Min DSCR	0.75

Loan Terms
Origination Fee (Points)	N/A
Prepayment Penalty	Yes

Loan Processing Speeds
Pre-Approval Speed	N/A
Closing Speed	N/A

Loan Options
Property Type Options	Single-family and 2-10 unit residential
Short-Term Rental Option	Yes
Portfolio Loan Option	Yes

Experience Level
Year Established	2002
Loans Funded	16,000+ worth $4.5B+
States Serving	50 + DC

Lender Reputation
Online Ratings	4.6 average (across 386 Google reviews)

5. CV3 Financial Services

CV3 Financial Services is a relatively new DSCR lender founded in 2023.

Loan Requirements
Min Credit Score	660
Max LTV	80%
Min Loan Size	$75K
Min DSCR	N/A

Loan Terms
Origination Fee (Points)	As low as 0%
Prepayment Penalty	Yes

Loan Processing Speeds
Pre-Approval Speed	N/A
Closing Speed	N/A

Loan Options
Property Type Options	1-4 unit residential properties
Short-Term Rental Option	N/A
Portfolio Loan Option	Yes

Experience Level
Year Established	2023
Loans Funded	N/A
States Serving	47 + DC

Lender Reputation
Online Ratings	4.9 average (across 110 Google reviews)

6. Brick City Capital

Brick City Capital is a DSCR lender with an 80% close rate.

Loan Requirements
Min Credit Score	620
Max LTV	N/A
Min Loan Size	$100K
Min DSCR	1.0

Loan Terms
Origination Fee (Points)	N/A
Prepayment Penalty	N/A

Loan Processing Speeds
Pre-Approval Speed	N/A
Closing Speed	N/A

Loan Options
Property Type Options	Single-family rental, duplex, triplex, quad, or small multi-family
Short-Term Rental Option	Yes
Portfolio Loan Option	Yes

Experience Level
Year Established	2021
Loans Funded	N/A
States Serving	44

Lender Reputation
Online Ratings	4.9 average (across 46 Google reviews)

7. Conventus Lending

Conventus Lending is a DSCR lender with over 4,600 clients nationwide. 

Loan Requirements
Min Credit Score	N/A
Max LTV	80%
Min Loan Size	$75K
Min DSCR	N/A

Loan Terms
Origination Fee (Points)	N/A
Prepayment Penalty	Varies

Loan Processing Speeds
Pre-Approval Speed	24-48 hours
Closing Speed	30-45 days

Loan Options
Property Type Options	Single-family, multi-family up to 12 units
Short-Term Rental Option	Yes
Portfolio Loan Option	N/A

Experience Level
Year Established	2015
Loans Funded	$9B+
States Serving	54

Lender Reputation
Online Ratings	3.9 average (across 54 Google reviews)

Pre-Qualify for a DSCR Loan From ABL Today

If you’re ready to fund your next investment, ABL checks all the boxes for what to look for in a DSCR lender. Stop waiting and see if you pre-qualify for a DSCR loan today!

---

Note on sources:

• The top DSCR lenders were taken from Scotsman Guide’s 2025 Top DSCR list.
• All loan information was taken from the lenders’ respective websites.
• Unavailable information is indicated by “N/A.”