Best DSCR Loan Lenders 2026: Compared by Rate, Terms & Fees
An editorial comparison of DSCR lenders using official lender pages, not affiliate weighting. Compare credit floors, leverage, rates, reserves, and loan fit.
Part of the DSCR Loans guideMost "best DSCR lender" pages are really monetized roundups with weak sourcing. The better way to compare this market is to start with official lender pages, normalize what each lender is actually saying, and then match lender fit to borrower profile.
TL;DR: There is no single best DSCR lender. Griffin currently markets roughly 5.875% to 7.375% for qualified borrowers, NASB starts with a 680 fico and 20% down, Easy Street markets a 640 fico and no minimum DSCR, Kiavi offers rates as low as 6.5% with 45-state coverage, and CoreVest leans into 1.0x DSCR up to 80% LTV. The best lender depends on your file, property, and hold plan.
Quick comparison table
| Lender | Published signal | Best for | Watch out for |
|---|---|---|---|
| Griffin Funding | 5.875%-7.375% for qualified borrowers | Investors shopping for pricing and flexibility | Quote quality still depends on leverage and prepay |
| NASB | 680 fico, 20% down, $175k minimum loan | Strong-credit borrowers wanting a cleaner box | Higher entry thresholds |
| Easy Street Capital | 640 fico, no minimum DSCR, rates from 5.75% | Borderline cash-flow files and flexible underwriting | Compare the full fee and reserve stack |
| Kiavi | Rates as low as 6.5%, 45 states + DC | Scaled investors who want national reach | Confirm exact state and asset fit |
| CoreVest | 1.0x DSCR, up to 80% LTV, $75k-$2M | Investors needing portfolio or larger rental options | Single-rental pricing can start higher |
| Visio Lending | Entity-friendly DSCR, 41-state footprint | LLC borrowers and landlords focused on rental products | Verify exact pricing and state availability |
Griffin Funding
Griffin stands out because its March 2026 DSCR page publishes a concrete rate band instead of vague marketing language. It also markets unlimited cash-out, no property-count limit, and eligibility for both short- and long-term rentals.
Why it can win:
- Transparent published range
- Flexible property strategy fit
- Good fit for active investors who need options
Why it may not:
- The lowest published rate will not apply to every file
- You still need to compare points and prepay carefully
NASB
NASB is a useful benchmark because its DSCR page is unusually specific: minimum 680 credit score, minimum 20% down payment, and minimum loan amount of $175,000. That makes it a cleaner fit for stronger borrowers who do not need a highly stretched exception.
Why it can win:
- Clear baseline requirements
- No personal income verification
- No prepayment penalty advertised on its DSCR page
Why it may not:
- Not the right box for lower-score or smaller-loan borrowers
Easy Street Capital
Easy Street is one of the more flexible lender stories in the current SERP. Its EasyRent page markets no minimum DSCR requirement, a 640 minimum fico, and rates starting at 5.75%.
Why it can win:
- Flexible on cash-flow threshold
- Strong fit for investors who need a lender comfortable with rental operators
Why it may not:
- Flexibility often needs careful normalization against fees, reserves, and loan structure
Kiavi
Kiavi's national footprint is the main draw. The company markets rates as low as 6.5%, up to 80% LTV, no prepayment penalty after year three, and coverage in 45 states plus DC.
Why it can win:
- Broad geographic coverage
- Good fit for repeat investors in multiple states
- Useful mid-market comparison point
Why it may not:
- Verify how your asset type and business structure affect the final quote
CoreVest
CoreVest is worth including because it publishes a more institutional-feeling box: 30-year DSCR at 1.0x, up to 80% value, and loan sizes from $75,000 to $2 million. It also markets portfolio solutions for larger landlords.
Why it can win:
- Comfortable with scale
- Strong option for investors growing beyond one-off rentals
Why it may not:
- Single-rental headline pricing currently starts higher than some competitors
Visio Lending
Visio remains one of the recognizable DSCR-focused brands for entity borrowers. Its main appeal is focus: rental-property lending, entity compatibility, and a multistate footprint.
Why it can win:
- Good fit for landlords buying in business entities
- Useful comparison option when you want a lender centered on rental product lines
Why it may not:
- Public page transparency is not as strong as lenders that publish more specific floors or thresholds
How to choose the right lender
Use this filter:
- Match your asset and state first.
- Match your fico and leverage second.
- Compare rate, points, reserves, and prepay together.
- Favor certainty of close over headline rate if the deal is time-sensitive.
If you want the cleanest starting point, begin with our DSCR loan requirements guide and DSCR rate breakdown, then use this page as the lender short list.
Final take
The best DSCR lender in 2026 is the one whose box matches your file without forcing you into misleading rate shopping. Strong-credit borrowers may like NASB's cleaner thresholds. Flexible-file borrowers may prefer Easy Street or Griffin. Portfolio-minded investors should keep CoreVest and Kiavi in the mix. Compare the whole term sheet, not the teaser.
Frequently asked questions
Which DSCR lender has the lowest rate?
Published floors change often. Right now several official pages market rates in the mid-5s to mid-6s, but the real answer depends on your file and term sheet structure.
Which DSCR lender is best for low DSCR properties?
Easy Street and CoreVest are notable because they advertise very flexible property cash-flow treatment, but pricing and leverage will still depend on the rest of the file.
Should I use a lender that does not publish exact requirements?
You can, but the burden on comparison increases. Lenders that publish more specifics are easier to normalize.
Sources
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