Current DSCR Rental Rates

Update as of February 2023

For DSCR-type loans (i.e. based on the income of the property and not the income of the borrower), here’s what to expect right now with the following kind of loan profile:

  • Single-family home
  • Purchase up to 80% LTV and cash-out refinance up to 75% LTV
  • DSCR above 1.20
  • Personal credit above 720

You could expect a rate of 7.4-7.8% right now. Rate increases would be needed for 2+ unit buildings and lower personal credit. Rate decreases could be achieved for lower LTVs and higher DSCR ratios, as well as paying buy down points.

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on February 1, 2023