#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 lenders worth researching.
Each of these lenders publishes DSCR criteria you can check. Terms differ sharply between them, which is exactly why comparing more than one matters.
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by the DSCR Accessibility Score (model accessibility-1.0, computed 2026-08-12) — published criteria only, with an unpublished figure scoring zero rather than being estimated.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
What to ask any DSCR lender
How is the ratio calculated?
Which rent figure, and which payment components. Two lenders can quote different ratios on the same property.
What rent evidence is accepted?
A signed lease, a short-term-rental history, or the appraiser's opinion. This decides more files than the ratio does.
What is the minimum for this deal?
Minimums move by property type, loan purpose, and program. Ask for yours, not the headline.
What leverage applies?
Purchase, rate-and-term, and cash-out each carry different published limits.
Is entity title allowed?
Most DSCR programs permit it, but confirm the guarantee and the paperwork before planning around it.
What does it actually cost?
Rate, points, fees, and any prepayment penalty, in writing, on the same scenario at each lender.
Common questions
Is this a ranked list?
Yes. Lenders are ordered by the DSCR Accessibility Score, a published model computed only from criteria each lender publishes: whether a borrower can qualify, how much they can borrow, and where. An unpublished figure scores zero rather than being estimated. The full weights are on our research site's methodology page.
Where do these lenders come from?
They are the eight-lender research set maintained on our research site, where every figure carries a source and a verification date. A lender that does not publish its terms is not necessarily worse, but it cannot be scored on criteria we cannot source.
Do you get paid if I use one of these?
No. No lender pays this site for inclusion, for its position in the list, or for its score. Outbound links are provided for research convenience and are not paid placements.
What should I ask a DSCR lender?
How they calculate the coverage ratio and which payment components they include, what rent evidence they accept, their minimum ratio for your property type and loan purpose, their leverage limits, and whether entity title is allowed.
Not sure which DSCR path fits?
Answer a few questions about the property, the rent, and your goal, and see which DSCR programs are worth asking about.