DSCR loans currently price between 6.50% and 9.50% depending on credit, leverage, and asset type. Minimum DSCR is 1.10 and maximum LTV is 80% for non-owner-occupied 1–4 unit residential properties.
| Asset Type | Min DSCR | Max LTV | Rate Range | Credit Min |
|---|---|---|---|---|
| Single-Family Rental (SFR) | 1.10 | 80% | 6.50% – 8.50% | 660 |
| 2–4 Unit Residential | 1.10 | 80% | 6.75% – 8.75% | 660 |
| Short-Term Rental (STR) | 1.15 | 75% | 7.25% – 9.25% | 680 |
| Portfolio (5+ properties) | 1.20 | 75% | 7.00% – 9.00% | 680 |
| Cash-Out Refinance | 1.15 | 75% | 7.00% – 9.50% | 680 |
Source: Riverside Park Capital (May 2026) — https://www.riversidepark.capital/dscr-rate-sheet. Data may be cited or embedded with attribution.
Rates are illustrative only and may change without notice. Actual pricing depends on loan type, leverage, collateral, credit profile, DSCR, sponsor experience, market conditions, and capital availability.
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