DSCR rates run higher than owner-occupied conventional loans — with credit, LTV, DSCR strength, and prepayment structure all moving the number you lock.
DSCR loans price as non-owner-occupied investment products. Expect a spread above primary-residence conventional rates — the tradeoff is qualifying on rental income instead of personal tax returns and W-2s.
Credit score, LTV, DSCR ratio, loan amount, property type, and prepayment penalty length all stack into your final rate. Market moves daily, so quote freshness matters when you compare options.
Rates and pricing grids are investor-specific and change with market conditions.
Two files on the same street can price differently based on structure.
Higher scores unlock better rate bands at the same LTV. A 40-point swing can matter more than a small market move.
Lower LTV (more down) typically improves pricing. Cash-out refinances often carry higher rates than purchases.
Stronger rent coverage can access better tiers. Thin ratios may require rate adjustments or more down.
Paying discount points upfront lowers rate — we model breakeven against your expected hold period.
Longer PPP structures (3–5 years) often improve rate. Shorter or no PPP costs more.
Condos, STRs, 2–4 units, and jumbo loan amounts can carry overlays that bump rate.
A rate without context is just a number. We show the full picture.
We match your credit, LTV, and DSCR to current pricing — not a stale blog-post rate from last month.
See rate at 3-year vs. 5-year prepay so your exit plan drives the structure.
If buying down rate, we show months to recoup upfront cost vs. holding the loan.
Rate, points, prepay, and reserves together — not in isolation.
An Indiana investor choosing a 5-year prepay might lock 0.25–0.50% lower than a 3-year structure — worthwhile if they plan to hold and refinance later. A flipper planning to sell in 18 months may prefer shorter PPP despite a higher rate.
We align rate, points, and prepay with your actual timeline — not a generic quote sheet.
Related DSCR guides and investor resources from Ryan & Steve.
2MG Daily
Recent articles on DSCR financing, rental investing, and Indiana market insights.
Sep 16, 2026 • 2MG Daily
Read article →
Sep 21, 2026 • 2MG Daily
Read article →
DSCR rates are typically higher than owner-occupied conventional loans. Pricing depends on credit, LTV, DSCR strength, loan amount, property type, and prepayment structure. Quotes change with market conditions.
Investment property loans carry more investor risk. Non-QM DSCR programs also skip personal income documentation, which adds pricing relative to agency-backed owner-occupied products.
Often yes. Points vs. rate tradeoffs are common on DSCR — we model breakeven so you know whether paying upfront saves money over your hold period.
Longer prepayment penalty structures (PPP) frequently improve rate. Shorter or no PPP usually costs more in rate — we align PPP length with your exit plan.
Ryan & Steve will pull live pricing for your credit, LTV, DSCR, and prepay structure — refreshed for today's market.