What Interest Rates for a DSCR Loan? | The 2 Mortgage Guys

DSCR rates are typically higher than owner-occupied loans. See what drives pricing for Indiana investment property financing.

What Interest Rates for a DSCR Loan? | The 2 Mortgage Guys

DSCR rates are typically higher than owner-occupied loans. See what drives pricing for Indiana investment property financing.

What Interest Rates Should I Expect on a DSCR Loan?

Investor Rates vs. Primary Residence

Rate Snapshot

What Moves Your DSCR Rate

How We Quote DSCR Pricing

Example: Rate vs. Hold Period

Quick checklist before you lock

Keep Exploring

Frequently Asked Questions

Want a Current DSCR Rate Quote?

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.

A rate without context is just a number. We show the full picture.

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.

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Ryan & Steve will pull live pricing for your credit, LTV, DSCR, and prepay structure — refreshed for today's market.

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