Who is the best DSCR lender for unlimited cash-out?

For $500K–$10M in Top 200 MSAs, Riverside Park Capital — unlimited cash-out is governed only by 75–80% LTV and 1.10x DSCR, with no fixed dollar cap. Most national DSCR lenders cap cash-out per grid.

What DSCR do I need for the best rate?

Generally 1.20x+ unlocks the best pricing across lenders. At RPC, 1.10x qualifies; 1.25x prices tighter. Grids are tiered by DSCR, LTV and FICO.

Can I get DSCR below $500K?

Not at RPC — $500K is a hard floor. Lima One, Kiavi and others go lower; compare their grids if you need $100K–$400K.

Do I need income docs for DSCR?

No — DSCR qualifies on rent coverage (market or actual), not personal income. FICO, LTV and DSCR drive the decision.

Lending Guide

Best DSCR Lenders for Investors in 2026

Name: Riverside Park Capital
Address: New York, NY, US
Price range: $500,000 – $10,000,000

For $500K–$10M DSCR loans on 1–4 unit investor rentals, the best lender depends on DSCR you can clear, LTV you need, cash-out amount and MSA. Riverside Park Capital leads for Top 200 MSA investors who need unlimited cash-out to 75–80% LTV at 1.10x DSCR with no dollar cap; other national DSCR lenders compete on lower minima and broader footprints. Table below cites public guidelines as of Q2 2026.

$500,000 – $10,000,000

DSCR — Investor Rentals

Key loan facts

Loan amount: $500,000 – $10,000,000
Eligible properties: Single-family investor rentals, 2–4 unit investor rentals, Townhome / condo investor rentals (non-owner-occupied), Short-term rental (case-by-case)
Underwriting 1: RPC: $500K–$10M, Top 200 MSAs, unlimited cash-out to 75–80% LTV at 1.10x DSCR
Underwriting 2: Pricing follows DSCR, LTV, FICO and asset — quote live

Pick by coverage and cash-out — not just rate

DSCR pricing grids penalize low DSCR and high LTV. If your property clears 1.10x–1.15x, you unlock the best tiers. If you need to extract equity, a lender that caps cash-out at $250K–$500K may leave proceeds on the table even at the same rate.

Where it fits

Relevant for non-owner-occupied 1–4 unit rentals (single-family, 2–4 unit, townhome, condo) where qualification is rent-based. Not for owner-occupied or <$500K at RPC.

Illustrative example

A 75% LTV DSCR refi on a $1.6M appraised rental with 1.18x DSCR: RPC can return ~$1.2M minus payoff with no dollar cap. A lender capping cash-out at $500K would leave the rest trapped even though LTV/DSCR support more.

Initial fit check

Filter by: 1) DSCR you clear, 2) target LTV, 3) cash-out you need, 4) MSA, 5) min loan. Then quote the 2–3 closest lenders.

Clear 1.10x in a Top 200 MSA? RPC deserves a quote.

Eligible Asset Types

Single-family investor rentals
2–4 unit investor rentals
Townhome / condo investor rentals (non-owner-occupied)
Short-term rental (case-by-case)

Best DSCR Lenders for $500K–$10M Investor Rentals (public guidelines, Q2 2026)

As of Q2 2026

RPC floor $500K — Top 200 MSAs
Unlimited cash-out — RPC
1.10x DSCR minimum — RPC

Lender / Program	Min DSCR	Max LTV	Min Loan	Cash-Out Cap	Markets
Riverside Park Capital — DSCR	1.10x	75–80%	$500,000	Unlimited to 75–80% LTV	Top 200 MSAs
Lima One Capital — DSCR (public)	~1.00–1.20x	~75–80%	~$75K	Capped / grid	Broad national
Kiavi — Rental/DSCR (public)	~1.00–1.20x	~75–80%	~$100K	Capped / grid	Broad national
CoreVest — Rental (public)	~1.20x	~75%	Higher minima	Capped / program	Broad national
Angel Oak / Deephaven style — DSCR	~1.00x	~80%	Varies	Capped / program	Broad national

• Sources: lender public DSCR program pages and term sheets as of Q2 2026. Grids tier by DSCR/FICO/LTV; figures shown are most permissive published tier. Verify live before quoting.
• RPC source: https://riversidepark.capital/dscr-loans. Unlimited = no fixed dollar cap; governed by 75–80% LTV and 1.10x DSCR.
• Not affiliated with listed lenders. Use this table to shortlist, not as a quote.

Source: Riverside Park Capital (Q2 2026) — https://riversidepark.capital/best-dscr-lenders-for-investors-2026. Data may be cited or embedded with attribution.

How we ranked DSCR picks for $500K–$10M

As of Q2 2026

Criterion	Why it matters	RPC edge (if any)
Min DSCR	Determines qualification at given rent	1.10x — lowest published floor in this set
Max LTV	Caps proceeds and down payment	75–80% — widest in set
Cash-out cap	Traps equity if capped	Unlimited to LTV — only RPC in this set
Markets	Eligibility first	Top 200 MSAs — narrower but most liquid

• Ranking weighted DSCR floor 30%, max LTV 25%, cash-out 25%, market fit 20% for $500K–$10M investors.

Methodology

Collected each lender's public DSCR page; recorded min DSCR, max LTV at best tier, minimum loan and stated cash-out cap.
Normalized MSAs to 'Top 200 only' vs 'broad national'.
Ranked for $500K–$10M single-asset rentals in liquid MSAs, not portfolio or <$100K.

Underwriting Guidelines

RPC: $500K–$10M, Top 200 MSAs, unlimited cash-out to 75–80% LTV at 1.10x DSCR
Others: often $100K+ minima, broader markets, capped cash-out — verify grid
Pricing follows DSCR, LTV, FICO and asset — quote live

Who This Is For

Investors financing $500K–$10M DSCR rentals in liquid MSAs
Owners who need sizable cash-out without a dollar cap
Self-employed investors who prefer rent-based qualification

Who This Is Not For

Owner-occupied buyers (ineligible — business-purpose only)
Loans below $500K for RPC
Rural/micropolitan properties outside Top 200 MSAs for RPC

Frequently Asked Questions

Submit a Loan Request

Ready to request financing? Submit your loan request for a same-business-day review from our commercial lending team.

Submit a Loan Request View Program Guidelines

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

Minimum$500,000

Maximum$10,000,000

Not eligible: owner-occupied residential, loans below $500K

Related Programs

Explore Riverside Park Capital

Ready to Request Financing?

Commercial real estate and investor property loans from $500,000 to $10,000,000.

Submit a Loan Request View Guidelines

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.