Current DSCR pricing
DSCR Loan Rates Today
Request today’s DSCR pricing for your rental property. Share your financing goal, property details and estimated credit range; a NonQM123 specialist will follow up with rate, points and payment options.
What “today’s DSCR rates” actually means.
Interest rate
The note rate used to calculate principal-and-interest payments for the documented scenario.
APR
A broader cost measure that can reflect certain finance charges. It must be reviewed beside the interest rate, not hidden or minimized.
Points and pricing
A lower displayed rate may require more upfront cost. The complete term-sheet comparison matters.
Effective window
Ask when your quote was prepared, how long it is valid and which property, credit and loan assumptions it uses.
Start your current rate review.
Choose a purchase, refinance or cash-out path below. A NonQM123 specialist will review your details and follow up with current pricing options.
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.
Why DSCR rates can move during the day.
DSCR pricing can change with capital-market movement, lender capacity, property and borrower risk, program adjustments, points, prepayment choices, and the timing of a rate lock.
- A website illustration is not a rate lock or commitment to lend.
- A complete scenario can price differently from a simplified example.
- Purchase, rate-and-term refinance, and cash-out refinance usually have different adjustments.
- Request a review of the loan structure that fits your property and financing goal.
DSCR rate questions answered.
Questions investors ask
Are DSCR loan rates today the same for every investor?
No. Pricing varies by credit, leverage, property cash flow, property type, purpose, term, points, prepayment option, documentation, and current market conditions.
How often can DSCR rates change?
Pricing can change when lenders update their rate sheets. Ask your specialist how long a quote is valid and what is required to lock the rate.
Does requesting a quote mean I am approved?
No. An online quote request starts a specialist review. Approval and final terms require an application, property review, documentation and underwriting.
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.