How to use this directory
Use the filters above to narrow lenders by loan type, maximum loan-to-value, minimum DSCR, minimum credit score, property type, loan purpose, state and interest rate. Each card summarizes the lender’s typical range for these items. Click through to the lender’s own website for current programs.
About the information shown
Rates, loan sizes, loan-to-value limits and minimum ratios shown here are general ranges meant for comparison. Lenders change their programs often, and the terms you are offered depend on your credit, the property, the loan size and market conditions. Always confirm current terms with the lender before relying on them. A lender’s appearance here is information, not an endorsement, and we do not guarantee approval or specific terms.
What to compare besides the rate
- Total cost: origination fees, points, appraisal and closing costs can matter as much as the rate.
- Prepayment penalty: many investor loans include one. Ask how long it lasts and how it is calculated.
- Minimum DSCR and reserves: a lender with a lower minimum ratio may require larger reserves or a bigger down payment.
- Loan structure: fixed versus adjustable rate, interest-only periods and amortization.
- Speed and service: ask for a realistic closing timeline and who will handle your file.
Frequently asked questions
How many lenders should I contact? Request quotes from at least three, within a short period so the credit inquiries are treated as one.
Are these lenders the same as brokers? Some are direct lenders and some are brokers who place loans with others. Ask which one you are dealing with.
Do I need a DSCR loan? It can help if your tax returns understate your income or you own many properties. If you can document strong income, compare a conventional investor loan too. See DSCR vs. conventional loans.