Rental-property acquisition
DSCR Purchase Loan Rates
DSCR purchase pricing is built around the acquisition price, requested loan amount, property cash flow, credit profile, property type, program, points, and closing strategy.
What affects a DSCR purchase rate?
Purchase LTV
The purchase price, requested loan amount, and verified equity determine the leverage tier.
Property rent
Lease income or an eligible market-rent method supports the DSCR calculation.
Credit and experience
Credit profile and investor history may affect program eligibility and pricing.
Property and program
Property type, term, interest-only option, points, and prepayment structure can change the final quote.
Prepare a purchase scenario for pricing.
- Property address, purchase price, contract status, and expected closing date.
- Requested loan amount and intended vesting.
- Current lease, projected rent, or market-rent documentation.
- Property taxes, insurance, HOA, and property type.
- Credit range and preferred term/payment structure.
Purchase rate strategy.
A conservative LTV can improve pricing, but investors should also compare cash-on-cash return, reserves, prepayment terms, and the opportunity cost of additional equity. The Rate Desk can compare fixed, ARM, 40-year, and interest-only structures using the same purchase scenario.
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.