Compare programs and purposes
DSCR Rate Tables
Compare DSCR loan purposes and repayment structures, then request current pricing for your property. A specialist reviews your details before providing rate and payment options.
Keep the assumptions equal before comparing two rows.
For a useful comparison, hold the property, loan purpose, loan amount, leverage and credit assumptions constant. Then compare the term, payment structure, points, lock period and prepayment terms. Different assumptions can explain a rate difference that initially looks like a better offer.
The examples below use different loan amounts, leverage and costs. Request a comparison for your own property; a quote request is not an approval, rate lock or commitment to lend.
How to read a DSCR rate table.
Program
The term and payment structure, such as 30-year fixed, 40-year fixed, ARM, or interest-only.
Loan purpose
Purchase, rate-and-term refinance, and cash-out refinance can carry different pricing adjustments.
Rate and APR
Review both numbers with equal attention, along with points and other disclosed finance charges.
Leverage and DSCR
The sample LTV and DSCR assumptions help explain why a row may not apply to a different property scenario.
Compare your financing options.
Review the dated purchase, refinance and cash-out examples below. Your own rate depends on your property and loan details, which a specialist will review.
Three paths. One rental property.
Start with the financing you need.
Compare the published examples below, then choose your financing goal for a quote based on your property and loan details.
Published pricing examples · Oct 19, 2026 · 8:48 AM PT
Source: NonQM123 published DSCR pricing. Confirm current pricing with a specialist; rates may change before lock. These examples are not personalized quotes or rate locks.
Buy your next rental property.
Compare the down payment, payment structure and upfront costs for your next rental property.
Example assumptions & costs
Loan $360,000 · Property value $450,000 · 80% LTV · DSCR 1.00 · FICO 760.
30-year fixed · Single-family rental · 5-year prepayment penalty · 2% points.
Underwriting $1,795 · Processing $995 · Administration $487. Third-party title and escrow costs are additional.
Published example only. Eligibility and your actual terms depend on complete property and borrower review.
Access more rental equity.
Compare your new loan with existing payoffs and the cash remaining before closing costs.
Example assumptions & costs
Loan $337,500 · Property value $450,000 · 75% LTV · DSCR 1.00 · FICO 760.
30-year fixed · Single-family rental · 5-year prepayment penalty · 2.5% points.
Underwriting $1,795 · Processing $995 · Administration $487. Third-party title and escrow costs are additional.
Published example only. Eligibility and your actual terms depend on complete property and borrower review.
Improve rate or payment
Compare a new rate and term against your existing rental-property mortgage.
Example assumptions & costs
Loan $385,000 · Property value $700,000 · 55% LTV · DSCR 1.25 · FICO 760.
30-year fixed · Single-family rental · 5-year prepayment penalty · 2.25% points.
Underwriting $1,795 · Processing $995 · Administration $487. Third-party title and escrow costs are additional.
Published example only. Eligibility and your actual terms depend on complete property and borrower review.
DSCR rate tables
Choose a structure to compare.
Fixed, adjustable and interest-only options work differently. Choose a structure for specialist review of current availability and pricing.
30-Year Fixed DSCR
Stable principal-and-interest structure.
40-Year Fixed DSCR
Compare a longer repayment period and principal reduction.
ARM DSCR
Compare the initial fixed period and future adjustments.
Interest-Only DSCR
Compare the initial payment and later repayment obligations.
Program availability and terms depend on property review, state restrictions and underwriting. A request is not a rate lock, approval or commitment to lend.
Compare rows without chasing a teaser rate.
- Match the row to the correct loan purpose and property type.
- Compare the same credit range, LTV, DSCR, points, prepayment structure, and term.
- Confirm whether interest-only applies for the full term or only an initial period.
- Choose the structure you want to review. Your selection carries into the quote request.
Related DSCR rate guides.
Continue your rate research with the most relevant comparison pages.
Build a DSCR rate review around the actual property.
Share your property and financing goal. A NonQM123 specialist will review your request and contact you by phone or email with the next steps.
Business-Purpose Investment Financing
This website presents financing options intended for eligible non-owner-occupied investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable program. Loan proceeds may not be used for personal, family, or household purposes. Program availability, occupancy requirements, terms, and eligibility are subject to underwriting, property review, state restrictions, and lender approval.