#1 Griffin Funding 91.6/100
Publishes sub-1.00 and no-ratio DSCR paths, a 620 credit floor, up to 85% purchase LTV, loans to $4.5M, foreign-national eligibility, and lending in all 50 states and DC.
Visit site: Griffin Funding (opens in a new tab)
DSCR path finder
Find the DSCR path that fits the deal.
Most investors start by shopping lenders. The first decision is which DSCR route the deal actually takes, and what a lender will want to see.
Question 1 of 813%
No credit check. No account. No approval decisions.
No credit checkThe matcher uses only the answers you choose.
Reasons, not verdictsEvery result explains why it surfaced and what to confirm.
No approval decisionsA lender decides eligibility after reviewing your documents.
Lender research
DSCR lenders, ranked.
Once you know the path, these are the eight lenders whose published DSCR criteria we track, ordered by the DSCR Accessibility Score.
How this list is ordered. Ranked by the DSCR Accessibility Score (model accessibility-1.0, computed 2026-08-12) — published criteria only, with an unpublished figure scoring zero rather than being estimated. No lender pays for inclusion, position, or a score. A rank compares published criteria and is not a recommendation.
#2 Easy Street Capital 87.8/100
Publishes a no-ratio DSCR path, a 640 credit floor, loans to $3.5M, foreign-national eligibility, and a 30-day typical closing.
Visit site: Easy Street Capital (opens in a new tab)#3 Lima One Capital 72.1/100
Publishes a 1.00 minimum ratio, a 660 credit floor, loans from $85K to $2.5M, and three documented DSCR program variants.
Visit site: Lima One Capital (opens in a new tab)#4 New Silver 71.8/100
Publishes a 0.75 minimum ratio, a 660 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: New Silver (opens in a new tab)#5 LendingOne 68.4/100
Publishes the fastest closing time in the research set at 21 days, with a 0.75 minimum ratio and loans from $85K.
Visit site: LendingOne (opens in a new tab)#6 Angel Oak Mortgage Solutions 65.3/100
Publishes a no-ratio DSCR path, a 680 credit floor, loans to $3M, and lending in all 50 states and DC.
Visit site: Angel Oak Mortgage Solutions (opens in a new tab)#7 Visio Lending 52.2/100
Publishes a short-term-rental focused DSCR program and a 30-day typical closing.
Visit site: Visio Lending (opens in a new tab)#8 Kiavi 48.2/100
Publishes a 0.80 minimum ratio and lends in every state except Utah.
Visit site: Kiavi (opens in a new tab)Figures are as published by each lender and can change without notice. Confirm current terms directly before relying on them. Disclosure · How the score works
Why these paths came up
Reasons, not verdicts.
The matcher first removes DSCR paths that do not fit the property or stated goal. It then orders what remains by the signals in your answers.
Property and use
Long-term rental, short-term rental, and unit count open different DSCR paths.
Rent evidence
A signed lease, documented nightly-rental history, and a market estimate carry very different weight.
Purpose and equity
Purchase, rate-and-term, and cash-out carry different published leverage limits.
Unknown stays unknown
A skipped or uncertain gate does not quietly become yes, no, or zero.
The DSCR paths at a glance
Every route below is a DSCR loan. They differ in what the lender is underwriting around.
Standard DSCR
Rent covers the payment, and the ratio carries the file
Understand the trade-offsLow-ratio or no-ratio
Coverage is thin, or the property has no income yet
Understand the trade-offsShort-term rental DSCR
Nightly-rental income, evidenced and discounted differently
Understand the trade-offsDSCR cash-out
Returning equity as cash, tested at the larger payment
Understand the trade-offsEntity-titled DSCR
The property held in an LLC or other entity
Understand the trade-offsWhat DSCR lenders actually evaluate
No single factor is pass or fail on its own. Lenders weigh the full file.
The property
Use, condition, occupancy, rent, location, and value.
The borrower
Who is on the loan and how title will be held.
Rent and evidence
Which rent figure the lender will use, and what proof it requires.
Equity or down payment
The investor's own money in the deal.
Credit
History and stated score band, with lender-specific thresholds.
Reserves
Money left after closing, often measured in months of payments.
Loan purpose
Purchase, rate-and-term refinance, or cash-out.
Common questions
What is a DSCR loan?
A business-purpose loan for rental property where qualification centres on the property's rent relative to its housing payment, rather than on your personal income documentation.
Does this tool tell me if I am approved?
No. It points you toward the DSCR path that fits your situation and explains the reasoning. Approval is a lender decision based on documents this site never sees.
What DSCR ratio do lenders require?
There is no universal floor. Published minimums vary by lender and by program, and some lenders publish sub-1.00 or no-ratio paths. This site does not publish a threshold it cannot source.
Will using this affect my credit?
No. The matcher asks you to select a credit range yourself. Nothing here pulls your credit.
Can I hold a DSCR property in an LLC?
Most DSCR programs allow entity title, which is one of the main reasons investors choose them. Rules and guarantee requirements vary by lender and state, so ask early and talk to your attorney or CPA.
Is this financial advice?
No. This is educational information to help you ask better questions. Tax, legal, and investment considerations require your own licensed professionals.
See which DSCR path fits your deal
A few questions, and you will know which DSCR route to ask lenders about and what they will want to see.