DSCR lenders

The public cross-lender guideline matrix. Sort and filter the loaded table; open any lender for the full spec sheet and source links. Blank cells mean the lender does not publish that figure, not that it is zero.

Lenders

DSCR programs

0.75

Lowest DSCR floor

among published floors

85%

Highest LTV

purchase

Programs allowing sub-1.0

8 offer no-ratio

Programs allowing STR

10 take foreign nationals

StateSearch

Only show Sub-1.0 or no-ratio Short-term rentals Foreign nationals First-time investors

30 of 30 programs. Click a column to sort; unpublished values (—) sort last. State filter only matches programs with a published footprint.

								Also takes
A&D Mortgage DSCR	No ratio	620	80%	75%	$75k	$3.5M	Auto-checked Oct 2026	STRNo-ratio49 states
A&D Mortgage Foreign National DSCR	<1.0 ok	660	75%	70%	$75k	$3M	Auto-checked Oct 2026	FN49 states
Angel Oak Mortgage Solutions DSCR Loan (Investor Cash Flow)	No ratio	680	85%	—	$100k	$3M	Auto-checked Oct 2026	STRNo-ratioFootprint n/p
Angel Oak Mortgage Solutions Foreign National (DSCR qualification)	1.00	—	70%	—	$100k	$1.5M	Auto-checked Oct 2026	FNFootprint n/p
Carrington Wholesale Carrington Investor Advantage (DSCR)	1.00 (<1.0 ok)	620	85%	75%	$100k	$3M	Auto-checked Oct 2026	STRNo-ratio51 states
Champions Funding Accelerator DSCR 1-4 Unit	1.00 (<1.0 ok)	600	80%	75%	$100k	$3M	Auto-checked Oct 2026	STRNo-ratio49 states
Champions Funding Equity First DSCR	No ratio	—	55%	55%	$125k	$1.5M	Auto-checked Oct 2026	FNNo-ratio37 states
CoreVest Finance 30-Year DSCR Loan (Single Rental)	0.80 (<1.0 ok)	640	80%	—	$75k	—	Auto-checked Oct 2026	FN47 states
CoreVest Finance Short-Term Rental Loan	—	—	70%	—	$500k	—	Auto-checked Oct 2026	STR47 states
Defy Mortgage DSCR Loans	1.00 (<1.0 ok)	640	85%	80%	$75k	—	Auto-checked Oct 2026	STRFN39 states
Dominion Financial Services DSCR Rental Loans	—	660	80%	75%	—	—	Auto-checked Oct 2026	STR50 states
Easy Street Capital EasyRent DSCR	<1.0 ok	640	80%	75%	$100k	$3.5M	Auto-checked Oct 2026	STRFN49 states
Griffin Funding DSCR Loan	No ratio	620	85%	80%	$100k	$4.5M	Auto-checked Oct 2026	STRNo-ratio51 states
HomeXpress Mortgage InvestorX 5-8 Unit DSCR	—	700	—	—	—	—	Auto-checked Oct 2026	Footprint n/p
HomeXpress Mortgage InvestorX DSCR (1-4 unit)	No ratio	620	80%	80%	—	$2.5M	Auto-checked Oct 2026	STRFNNo-ratioFootprint n/p
Kiavi Kiavi DSCR Rental Loan	<1.0 ok	—	80%	—	$75k	$2M	Auto-checked Oct 2026	Footprint n/p
LendingOne DSCR Rental Loan	<1.0 ok	—	80%	75%	$85k	$2M	Auto-checked Oct 2026	STR47 states
Lima One Capital Rental30 (Single Family Rental, 1-4 units)	1.00	660	80%	75%	$85k	$2.5M	Auto-checked Oct 2026	FN47 states
Lima One Capital Short-Term Rental Loan	1.30	700	75%	70%	$75k	$2.5M	Auto-checked Oct 2026	STR47 states
Logan Finance Legacy DSCR	1.00 (<1.0 ok)	680	80%	75%	$125k	$2M	Auto-checked Oct 2026	Footprint n/p
Logan Finance Open Road DSCR	1.00 (<1.0 ok)	660	80%	75%	$150k	$3M	Auto-checked Oct 2026	STRFootprint n/p
Luxury Mortgage Corp. Simple Access - Investor Cash Flow (DSCR)	1.00 (<1.0 ok)	620	80%	75%	$150k	$4M	Auto-checked Oct 2026	STR48 states
New Silver DSCR Rental Loans	<1.0 ok	660	80%	—	$150k	$3M	Auto-checked Oct 2026	STR51 states
Newfi Wholesale Sequoia DSCR	1.00 (<1.0 ok)	640	80%	80%	$125k	$3M	Auto-checked Oct 2026	STRFootprint n/p
Park Place Finance Rental Loan Program	<1.0 ok	660	85%	75%	$100k	$5M	Auto-checked Oct 2026	STRFootprint n/p
RCN Capital Long-Term Rental (DSCR)	1.00	660	80%	75%	$70k	$1.5M	Auto-checked Oct 2026	Footprint n/p
Roc Capital Single Property Rental	1.05	660	80%	75%	$75k	$2M	Auto-checked Oct 2026	FN48 states
Temple View Capital DSCR Rental Loan Program	0.75 (<1.0 ok)	660	80%	—	$55k	$2.5M	Auto-checked Oct 2026	STRFNNo-ratio48 states
Truss Financial Group DSCR Loans	<1.0 ok	—	—	—	—	—	Auto-checked Oct 2026	STRFootprint n/p
Visio Lending Visio DSCR Rental Loan	—	680	80%	—	$75k	—	Auto-checked Oct 2026	STRFootprint n/p

Loading the matrix

DSCR lenders by state

Data last updated Oct 4, 2026. Guidelines are published by lenders and may have changed since.